LOTI vs VTI
Liberty One Tactical Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | LOTI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.03% | |
| AUM | $46M | $663.5B | |
| Dividend Yield | 1.59% | 1.07% | |
| Holdings | 35 | 3,543 | |
| YTD Return | +6.00% | +14.96% | |
| 1Y Return | - | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | - | 15.4% | |
| Max Drawdown | -4.4% | -56.6% | |
| Fund Family | Liberty One Investment Management, LLC | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 30, 2025 | May 24, 2001 |
LOTI vs VTI Performance
Liberty One Tactical Income ETF (LOTI) is a ETF from Liberty One Investment Management, LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, LOTI is up 6.00% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -4.4% for LOTI and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
LOTI charges 1.01% per year while VTI charges 0.03%. On a $10,000 position that is $101 vs $3 annually, a gap of $98 per year that compounds over a long holding period. On income, LOTI currently yields 1.59% against 1.07% for VTI.
Holdings Overlap
LOTI and VTI share 24 holdings out of 2793 unique holdings combined, representing a 12.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LOTI or VTI?
LOTI has an expense ratio of 1.01% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $98 per year of difference.
What is the holdings overlap between LOTI and VTI?
LOTI and VTI share 24 common holdings with a 12.6% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, LOTI or VTI?
LOTI yields 1.59% while VTI yields 1.07%, so LOTI currently pays the higher dividend yield.
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