MAYW vs VTI
AllianzIM US Equity Buffer20 May ETF 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 | MAYW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $444M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +5.31% | +14.22% | |
| 1Y Return | +8.42% | +22.19% | |
| 3Y Return (annualized) | +10.81% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 3.8% | 15.3% | |
| Max Drawdown | -7.9% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Apr 28, 2023 | May 24, 2001 |
MAYW vs VTI Performance
AllianzIM US Equity Buffer20 May ETF (MAYW) is a ETF from AllianzIM and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MAYW returned +8.42% while VTI returned +22.19%. Year to date, MAYW is up 5.31% versus a gain of 14.22% for VTI.
Over three years, MAYW compounded at +10.81% per year against +21.27% for VTI. Across the full 3-year window we track, MAYW has the edge at +11.00% annualized vs +8.14%. 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 3.8% for MAYW. 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 -7.9% for MAYW 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MAYW 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, MAYW currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, MAYW or VTI?
MAYW 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, MAYW or VTI?
Over the past year MAYW returned +8.42% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), MAYW annualized +11.00% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, MAYW or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.8% for MAYW. Worst drawdown: MAYW -7.9% vs VTI -56.6%.
Should I hold both MAYW and VTI?
MAYW and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, MAYW or VTI?
MAYW yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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