NZAC vs VTI
State Street SPDR MSCI ACWI Climate Paris Aligned 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 | NZAC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.03% | |
| AUM | $199M | $666.9B | |
| Dividend Yield | 2.07% | 1.07% | |
| Holdings | 715 | 3,543 | |
| YTD Return | +10.33% | +13.14% | |
| 1Y Return | +19.04% | +22.35% | |
| 3Y Return (annualized) | +19.56% | +21.83% | |
| 5Y Return (annualized) | +9.75% | +12.01% | |
| Volatility (annualized) | 14.8% | 15.3% | |
| Max Drawdown | -33.7% | -56.6% | |
| Fund Family | SPDR State Street Global Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 25, 2014 | May 24, 2001 |
NZAC vs VTI Performance
State Street SPDR MSCI ACWI Climate Paris Aligned ETF (NZAC) is a ETF from SPDR State Street Global Advisors and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NZAC returned +19.04% while VTI returned +22.35%. Year to date, NZAC is up 10.33% versus a gain of 13.14% for VTI.
Over three years, NZAC compounded at +19.56% per year against +21.83% for VTI; over five years the annualized figures are +9.75% and +12.01% respectively. Across the full 12-year window we track, NZAC has the edge at +9.03% annualized vs +8.09%. 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 14.8% for NZAC. 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 -33.7% for NZAC 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
NZAC charges 0.12% per year while VTI charges 0.03%. On a $10,000 position that is $12 vs $3 annually, a gap of $9 per year that compounds over a long holding period. On income, NZAC currently yields 2.07% against 1.07% for VTI.
Holdings Overlap
NZAC and VTI share 238 holdings out of 3174 unique holdings combined, representing a 52.0% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, NZAC or VTI?
NZAC has an expense ratio of 0.12% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, NZAC or VTI?
Over the past year NZAC returned +19.04% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (12 years), NZAC annualized +9.03% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, NZAC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.8% for NZAC. Worst drawdown: NZAC -33.7% vs VTI -56.6%.
Should I hold both NZAC and VTI?
NZAC and VTI have a monthly-return correlation of 0.97, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between NZAC and VTI?
NZAC and VTI share 238 common holdings with a 52.0% weight overlap. Combined, they hold 3174 unique securities.
Which pays a higher dividend, NZAC or VTI?
NZAC yields 2.07% while VTI yields 1.07%, so NZAC currently pays the higher dividend yield.
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