PAXS vs VTI
PIMCO Access Income 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 | PAXS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 2.09% | 0.03% | |
| AUM | $694M | $666.9B | |
| Dividend Yield | 12.25% | 1.07% | |
| Holdings | 443 | 3,543 | |
| YTD Return | +0.05% | +13.14% | |
| 1Y Return | +1.20% | +22.35% | |
| 3Y Return (annualized) | +12.20% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 16.1% | 15.3% | |
| Max Drawdown | -22.3% | -56.6% | |
| Fund Family | PIMCO (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 31, 2022 | May 24, 2001 |
PAXS vs VTI Performance
PIMCO Access Income Fund (PAXS) is a ETF from PIMCO (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PAXS returned +1.20% while VTI returned +22.35%. Year to date, PAXS is up 0.05% versus a gain of 13.14% for VTI.
Over three years, PAXS compounded at +12.20% per year against +21.83% for VTI. Across the full 5-year window we track, VTI has the edge at +8.09% annualized vs +4.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PAXS has been the more volatile fund, with annualized monthly volatility of 16.1% compared with 15.3% for VTI. 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 -22.3% for PAXS 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PAXS charges 2.09% per year while VTI charges 0.03%. On a $10,000 position that is $209 vs $3 annually, a gap of $206 per year that compounds over a long holding period. On income, PAXS currently yields 12.25% against 1.07% for VTI.
Holdings Overlap
PAXS and VTI share 0 holdings out of 2796 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, PAXS or VTI?
PAXS has an expense ratio of 2.09% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $206 per year of difference.
Which performed better, PAXS or VTI?
Over the past year PAXS returned +1.20% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), PAXS annualized +4.14% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, PAXS or VTI?
PAXS has been the more volatile fund at 16.1% annualized versus 15.3% for VTI. Worst drawdown: PAXS -22.3% vs VTI -56.6%.
Should I hold both PAXS and VTI?
PAXS and VTI have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PAXS and VTI?
PAXS and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2796 unique securities.
Which pays a higher dividend, PAXS or VTI?
PAXS yields 12.25% while VTI yields 1.07%, so PAXS currently pays the higher dividend yield.
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