PBNV vs VTI
PGIM S&P 500 Buffer 20 ETF - November 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 | PBNV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $35M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 7 | 3,543 | |
| YTD Return | +7.20% | +12.65% | |
| 1Y Return | +10.74% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 4.9% | 15.3% | |
| Max Drawdown | -8.4% | -56.6% | |
| Fund Family | PGIM Investments | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | May 22, 2024 | May 24, 2001 |
PBNV vs VTI Performance
PGIM S&P 500 Buffer 20 ETF - November (PBNV) is a ETF from PGIM Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PBNV returned +10.74% while VTI returned +21.39%. Year to date, PBNV is up 7.20% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.9% for PBNV. 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 -8.4% for PBNV 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
PBNV 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, PBNV currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, PBNV or VTI?
PBNV 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, PBNV or VTI?
Over the past year PBNV returned +10.74% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), PBNV annualized +10.85% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, PBNV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.9% for PBNV. Worst drawdown: PBNV -8.4% vs VTI -56.6%.
Should I hold both PBNV and VTI?
PBNV 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.
Which pays a higher dividend, PBNV or VTI?
PBNV yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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