LIAE vs VTI
LifeX 2050 Inflation-Protected Longevity Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | LIAE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $3M | $666.9B | |
| Dividend Yield | 9.87% | 1.07% | |
| Holdings | 19 | 3,543 | |
| YTD Return | -4.09% | +13.14% | |
| 1Y Return | -1.55% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 5.9% | 15.3% | |
| Max Drawdown | -7.0% | -56.6% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 17, 2024 | May 24, 2001 |
LIAE vs VTI Performance
LifeX 2050 Inflation-Protected Longevity Income ETF (LIAE) is a ETF from Stone Ridge Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LIAE returned -1.55% while VTI returned +22.35%. Year to date, LIAE is down 4.09% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.9% for LIAE. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -7.0% for LIAE and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LIAE charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, LIAE currently yields 9.87% against 1.07% for VTI.
Holdings Overlap
LIAE and VTI share 0 holdings out of 2804 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LIAE or VTI?
LIAE has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, LIAE or VTI?
Over the past year LIAE returned -1.55% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LIAE annualized -1.96% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, LIAE or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.9% for LIAE. Worst drawdown: LIAE -7.0% vs VTI -56.6%.
Should I hold both LIAE and VTI?
LIAE and VTI have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LIAE and VTI?
LIAE and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2804 unique securities.
Which pays a higher dividend, LIAE or VTI?
LIAE yields 9.87% while VTI yields 1.07%, so LIAE currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.