MARW vs VTI
AllianzIM US Equity Buffer20 Mar 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 | MARW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $88M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +6.45% | +12.65% | |
| 1Y Return | +10.56% | +21.39% | |
| 3Y Return (annualized) | +11.18% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 4.9% | 15.3% | |
| Max Drawdown | -7.6% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 28, 2023 | May 24, 2001 |
MARW vs VTI Performance
AllianzIM US Equity Buffer20 Mar ETF (MARW) is a ETF from AllianzIM and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MARW returned +10.56% while VTI returned +21.39%. Year to date, MARW is up 6.45% versus a gain of 12.65% for VTI.
Over three years, MARW compounded at +11.18% per year against +21.54% for VTI. Across the full 4-year window we track, MARW has the edge at +11.59% annualized vs +8.07%. 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 4.9% for MARW. 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 -7.6% for MARW 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
MARW charges 0.74% per year while VTI charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, MARW currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, MARW or VTI?
MARW has an expense ratio of 0.74% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, MARW or VTI?
Over the past year MARW returned +10.56% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), MARW annualized +11.59% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, MARW or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.9% for MARW. Worst drawdown: MARW -7.6% vs VTI -56.6%.
Should I hold both MARW and VTI?
MARW and VTI have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, MARW or VTI?
MARW yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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