LOCT vs VTI
Innovator Premium Income 15 Buffer ETF - October vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | LOCT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $11M | $663.5B | |
| Dividend Yield | 5.15% | 1.07% | |
| Holdings | 8 | 3,543 | |
| YTD Return | +0.15% | +14.22% | |
| 1Y Return | +1.88% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 6.1% | 15.3% | |
| Max Drawdown | -10.5% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Oct 2, 2023 | May 24, 2001 |
LOCT vs VTI Performance
Innovator Premium Income 15 Buffer ETF - October (LOCT) is a ETF from Innovator ETFs Trust and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LOCT returned +1.88% while VTI returned +22.19%. Year to date, LOCT is up 0.15% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.1% for LOCT. 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 -10.5% for LOCT 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 0.06. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LOCT charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, LOCT currently yields 5.15% against 1.07% for VTI.
Holdings Overlap
LOCT and VTI share 0 holdings out of 2785 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, LOCT or VTI?
LOCT has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, LOCT or VTI?
Over the past year LOCT returned +1.88% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), LOCT annualized +0.20% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, LOCT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.1% for LOCT. Worst drawdown: LOCT -10.5% vs VTI -56.6%.
Should I hold both LOCT and VTI?
LOCT and VTI have a monthly-return correlation of 0.06, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LOCT and VTI?
LOCT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, LOCT or VTI?
LOCT yields 5.15% while VTI yields 1.07%, so LOCT 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.