LTPZ vs VTI
PIMCO 15+ Year US TIPS Index Exchange-Traded Fund 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 | LTPZ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $780M | $666.9B | |
| Dividend Yield | 6.33% | 1.07% | |
| Holdings | 17 | 3,543 | |
| YTD Return | -3.10% | +13.14% | |
| 1Y Return | -0.83% | +22.35% | |
| 3Y Return (annualized) | +0.01% | +21.83% | |
| 5Y Return (annualized) | -7.18% | +12.01% | |
| Volatility (annualized) | 11.8% | 15.3% | |
| Max Drawdown | -41.0% | -56.6% | |
| Fund Family | PIMCO (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 3, 2009 | May 24, 2001 |
LTPZ vs VTI Performance
PIMCO 15+ Year US TIPS Index Exchange-Traded Fund (LTPZ) is a ETF from PIMCO (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LTPZ returned -0.83% while VTI returned +22.35%. Year to date, LTPZ is down 3.10% versus a gain of 13.14% for VTI.
Over three years, LTPZ compounded at +0.01% per year against +21.83% for VTI; over five years the annualized figures are -7.18% and +12.01% respectively. Across the full 17-year window we track, VTI has the edge at +8.09% annualized vs +1.32%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.8% for LTPZ. 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 -41.0% for LTPZ 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 0.29. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LTPZ charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, LTPZ currently yields 6.33% against 1.07% for VTI.
Holdings Overlap
LTPZ and VTI share 0 holdings out of 2801 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, LTPZ or VTI?
LTPZ has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, LTPZ or VTI?
Over the past year LTPZ returned -0.83% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (17 years), LTPZ annualized +1.32% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, LTPZ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.8% for LTPZ. Worst drawdown: LTPZ -41.0% vs VTI -56.6%.
Should I hold both LTPZ and VTI?
LTPZ and VTI have a monthly-return correlation of 0.29, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LTPZ and VTI?
LTPZ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, LTPZ or VTI?
LTPZ yields 6.33% while VTI yields 1.07%, so LTPZ currently pays the higher dividend yield.
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