PBMY vs VTI
PGIM S&P 500 Buffer 20 ETF - May 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 | PBMY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $37M | $666.9B | |
| Dividend Yield | 0.07% | 1.07% | |
| Holdings | 7 | 3,543 | |
| YTD Return | +5.22% | +13.14% | |
| 1Y Return | +8.79% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 2.7% | 15.3% | |
| Max Drawdown | -8.1% | -56.6% | |
| Fund Family | PGIM Investments | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | May 1, 2024 | May 24, 2001 |
PBMY vs VTI Performance
PGIM S&P 500 Buffer 20 ETF - May (PBMY) is a ETF from PGIM Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PBMY returned +8.79% while VTI returned +22.35%. Year to date, PBMY is up 5.22% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.7% for PBMY. 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 -8.1% for PBMY 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PBMY charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, PBMY currently yields 0.07% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, PBMY or VTI?
PBMY has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, PBMY or VTI?
Over the past year PBMY returned +8.79% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), PBMY annualized +10.78% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, PBMY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.7% for PBMY. Worst drawdown: PBMY -8.1% vs VTI -56.6%.
Should I hold both PBMY and VTI?
PBMY and VTI have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, PBMY or VTI?
PBMY yields 0.07% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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