LITL vs VTI
Simplify Piper Sandler US Small-Cap PLUS Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. LITL delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | LITL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.91% | 0.03% | |
| AUM | $7M | $663.5B | |
| Dividend Yield | 1.50% | 1.07% | |
| Holdings | 147 | 3,543 | |
| YTD Return | +20.31% | +14.96% | |
| 1Y Return | +26.60% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 15.3% | 15.4% | |
| Max Drawdown | -9.3% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 28, 2025 | May 24, 2001 |
LITL vs VTI Performance
Simplify Piper Sandler US Small-Cap PLUS Income ETF (LITL) is a ETF from Simplify Exchange Traded Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LITL returned +26.60% while VTI returned +22.39%. Year to date, LITL is up 20.31% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 15.3% for LITL. 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 -9.3% for LITL 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LITL charges 0.91% per year while VTI charges 0.03%. On a $10,000 position that is $91 vs $3 annually, a gap of $88 per year that compounds over a long holding period. On income, LITL currently yields 1.50% against 1.07% for VTI.
Holdings Overlap
LITL and VTI share 103 holdings out of 2821 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LITL or VTI?
LITL has an expense ratio of 0.91% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $88 per year of difference.
Which performed better, LITL or VTI?
Over the past year LITL returned +26.60% vs +22.39% for VTI, so LITL leads on 1-year performance. Over the longest common window we track (1 years), LITL annualized +31.23% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, LITL or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 15.3% for LITL. Worst drawdown: LITL -9.3% vs VTI -56.6%.
Should I hold both LITL and VTI?
LITL and VTI have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LITL and VTI?
LITL and VTI share 103 common holdings with a 0.1% weight overlap. Combined, they hold 2821 unique securities.
Which pays a higher dividend, LITL or VTI?
LITL yields 1.50% while VTI yields 1.07%, so LITL currently pays the higher dividend yield.
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