NPFI vs VTI
Nuveen Preferred and Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, NPFI or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | NPFI | VTI |
|---|---|---|
| Expense Ratio | 0.56% | 0.03%Best |
| AUM | $176M | $666.9B |
| Dividend Yield | 6.49% | 1.07% |
| Holdings | 163 | 3,543 |
| YTD Return | +2.32% | +13.59%Best |
| 1Y Return | +5.32% | +20.00%Best |
| 3Y Return (annualized) | - | +20.95% |
| 5Y Return (annualized) | - | +11.81% |
| Volatility (annualized) | 3.4%Best | 12.3% |
| Max Drawdown | -3.2%Best | -19.3% |
| $10,000 over 2.5 years | $12,001 | $15,471Best |
| Fund Family | Nuveen | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Mar 5, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Mar 6, 2024 to Sep 4, 2026 (2.5 years).
NPFI vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 2.5 years both funds cover.
NPFI vs VTI Performance
Nuveen Preferred and Income ETF (NPFI) is an ETF from Nuveen and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year NPFI returned +5.32% while VTI returned +20.00%. Year to date, NPFI is up 2.32% versus a gain of 13.59% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.3% compared with 3.4% for NPFI. 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 -3.2% for NPFI and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
NPFI charges 0.56% per year while VTI charges 0.03%. On a $10,000 position that is $56 vs $3 annually, a gap of $53 per year that compounds over a long holding period. On income, NPFI currently yields 6.49% against 1.07% for VTI.
Holdings Overlap
We hold position weights for 116 holdings in NPFI and 2,787 in VTI, totalling 64.1% and 92.3% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 2 positions appear in both.
2 positions in common, counted across the 116 positions we hold weights for in NPFI and 2,787 in VTI, against full books of 163 and 3,543.
You are not choosing between two funds in isolation.
Whichever of NPFI and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, NPFI or VTI?
NPFI has an expense ratio of 0.56% while VTI charges 0.03%. VTI is the cheaper option, by $53 a year on a $10,000 investment.
Which performed better, NPFI or VTI?
Over the past year NPFI returned +5.32% vs +20.00% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, NPFI or VTI?
VTI has been the more volatile fund at 12.3% annualized versus 3.4% for NPFI. Worst drawdown: NPFI -3.2% vs VTI -19.3%.
Should I hold both NPFI and VTI?
NPFI and VTI have a monthly-return correlation of 0.78, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, NPFI or VTI?
NPFI yields 6.49% while VTI yields 1.07%, so NPFI currently pays the higher dividend yield.
Is VTI better than NPFI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.