PFIX vs VTI
Simplify Interest Rate Hedge ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | PFIX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $170M | $663.5B | |
| Dividend Yield | 10.55% | 1.07% | |
| Holdings | 31 | 3,543 | |
| YTD Return | +7.25% | +13.87% | |
| 1Y Return | +3.46% | +23.31% | |
| 3Y Return (annualized) | +13.70% | +21.17% | |
| 5Y Return (annualized) | +23.02% | +12.23% | |
| Volatility (annualized) | 36.2% | 15.3% | |
| Max Drawdown | -36.2% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 10, 2021 | May 24, 2001 |
PFIX vs VTI Performance
Simplify Interest Rate Hedge ETF (PFIX) is a ETF from Simplify Exchange Traded Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PFIX returned +3.46% while VTI returned +23.31%. Year to date, PFIX is up 7.25% versus a gain of 13.87% for VTI.
Over three years, PFIX compounded at +13.70% per year against +21.17% for VTI; over five years the annualized figures are +23.02% and +12.23% respectively. Across the full 5-year window we track, PFIX has the edge at +17.03% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PFIX has been the more volatile fund, with annualized monthly volatility of 36.2% 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 -36.2% for PFIX 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 -0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PFIX 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, PFIX currently yields 10.55% against 1.07% for VTI.
Holdings Overlap
PFIX and VTI share 0 holdings out of 2784 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, PFIX or VTI?
PFIX 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, PFIX or VTI?
Over the past year PFIX returned +3.46% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), PFIX annualized +17.03% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, PFIX or VTI?
PFIX has been the more volatile fund at 36.2% annualized versus 15.3% for VTI. Worst drawdown: PFIX -36.2% vs VTI -56.6%.
Should I hold both PFIX and VTI?
PFIX and VTI have a monthly-return correlation of -0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PFIX and VTI?
PFIX and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, PFIX or VTI?
PFIX yields 10.55% while VTI yields 1.07%, so PFIX currently pays the higher dividend yield.
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