PCR vs VTI
Simplify VettaFi Private Credit Strategy 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 | PCR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.76% | 0.03% | |
| AUM | $3M | $666.9B | |
| Dividend Yield | 10.24% | 1.07% | |
| Holdings | 270 | 3,543 | |
| YTD Return | -8.20% | +13.14% | |
| 1Y Return | -13.67% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -20.1% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 22, 2025 | May 24, 2001 |
PCR vs VTI Performance
Simplify VettaFi Private Credit Strategy ETF (PCR) is a ETF from Simplify Exchange Traded Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PCR returned -13.67% while VTI returned +22.35%. Year to date, PCR is down 8.20% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -20.1% for PCR and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
PCR charges 0.76% per year while VTI charges 0.03%. On a $10,000 position that is $76 vs $3 annually, a gap of $73 per year that compounds over a long holding period. On income, PCR currently yields 10.24% against 1.07% for VTI.
Holdings Overlap
PCR and VTI share 175 holdings out of 2864 unique holdings combined, representing a 13.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PCR or VTI?
PCR has an expense ratio of 0.76% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, PCR or VTI?
Over the past year PCR returned -13.67% vs +22.35% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between PCR and VTI?
PCR and VTI share 175 common holdings with a 13.5% weight overlap. Combined, they hold 2864 unique securities.
Which pays a higher dividend, PCR or VTI?
PCR yields 10.24% while VTI yields 1.07%, so PCR currently pays the higher dividend yield.
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