PFIG vs VTI

Quick Verdict

VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.

Lower Fees: VTIHigher Returns: VTIMore Diversified: VTI

Side-by-Side Comparison

MetricPFIGVTIWinner
Expense Ratio0.22%0.03%
AUM$116M$663.5B
Dividend Yield4.41%1.07%
Holdings8033,543
YTD Return+0.21%+14.22%
1Y Return+2.72%+22.19%
3Y Return (annualized)+5.51%+21.27%
5Y Return (annualized)+1.21%+12.23%
Volatility (annualized)4.3%15.3%
Max Drawdown-15.6%-56.6%
Fund FamilyInvesco (US)Vanguard (US)
CategoryFixed IncomeEquity
InceptionSep 15, 2011May 24, 2001

PFIG vs VTI Performance

Invesco Fundamental Investment Grade Corporate Bond ETF (PFIG) is a ETF from Invesco (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PFIG returned +2.72% while VTI returned +22.19%. Year to date, PFIG is up 0.21% versus a gain of 14.22% for VTI.

Over three years, PFIG compounded at +5.51% per year against +21.27% for VTI; over five years the annualized figures are +1.21% and +12.23% respectively. Across the full 15-year window we track, VTI has the edge at +8.14% annualized vs +1.09%. 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 4.3% for PFIG. 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 -15.6% for PFIG 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.

Fees and Cost Over Time

PFIG charges 0.22% per year while VTI charges 0.03%. On a $10,000 position that is $22 vs $3 annually, a gap of $19 per year that compounds over a long holding period. On income, PFIG currently yields 4.41% against 1.07% for VTI.

Holdings Overlap

0.2%overlap

PFIG and VTI share 2 holdings out of 3514 unique holdings combined, representing a 0.2% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in PFIGWeight in VTIDifference
GE0.12%0.54%0.42%
DVN0.10%0.07%0.03%

Frequently Asked Questions

Which is cheaper, PFIG or VTI?

PFIG has an expense ratio of 0.22% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $19 per year of difference.

Which performed better, PFIG or VTI?

Over the past year PFIG returned +2.72% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), PFIG annualized +1.09% vs +8.14% for VTI. Past performance does not guarantee future results.

Which is riskier, PFIG or VTI?

VTI has been the more volatile fund at 15.3% annualized versus 4.3% for PFIG. Worst drawdown: PFIG -15.6% vs VTI -56.6%.

Should I hold both PFIG and VTI?

PFIG and VTI have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.

What is the holdings overlap between PFIG and VTI?

PFIG and VTI share 2 common holdings with a 0.2% weight overlap. Combined, they hold 3514 unique securities.

Which pays a higher dividend, PFIG or VTI?

PFIG yields 4.41% while VTI yields 1.07%, so PFIG currently pays the higher dividend yield.

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