PINC vs VTI
PGIM Securitized Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, PINC or VTI?
Each has led over a different period.
VTI has a lower expense ratio. PINC led over 1Y and 3Y, VTI over 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | PINC | VTI |
|---|---|---|
| Expense Ratio | 0.39% | 0.03%Best |
| AUM | $25M | $666.9B |
| Dividend Yield | 0.77% | 1.03% |
| Holdings | 106 | 3,543 |
| YTD Return | -1.80% | +13.60%Best |
| 1Y Return | +77.36%Best | +18.17% |
| 3Y Return (annualized) | +34.89%Best | +23.04% |
| 5Y Return (annualized) | +7.72% | +12.14%Best |
| Volatility (annualized) | 32.8% | 14.9%Best |
| Max Drawdown | -56.7% | -35.0%Best |
| $10,000 over 5 years | $14,504 | $17,734Best |
| Fund Family | PGIM Investments | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Jun 1, 2026 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 26, 2013 to Sep 25, 2026 (13 years).
PINC vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 13 years both funds cover.
PINC vs VTI Performance
PGIM Securitized Income ETF (PINC) is an ETF from PGIM Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year PINC returned +77.36% while VTI returned +18.17%. Year to date, PINC is down 1.80% versus a gain of 13.60% for VTI.
Over three years, PINC compounded at +34.89% per year against +23.04% for VTI; over five years the annualized figures are +7.72% and +12.14% respectively. Across the full 13-year window we track, VTI has the edge at +12.53% annualized vs +5.01%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PINC has been the more volatile fund, with annualized monthly volatility of 32.8% compared with 14.9% 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 -56.7% for PINC and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.18. They move largely independently of each other.
Fees and Cost Over Time
PINC charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, PINC currently yields 0.77% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 7 holdings in PINC and 3,463 in VTI, totalling 6.9% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 7 positions we hold weights for in PINC and 3,463 in VTI, against full books of 106 and 3,543.
You are not choosing between two funds in isolation.
Whichever of PINC and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PINC or VTI?
PINC has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option, by $36 a year on a $10,000 investment.
Which performed better, PINC or VTI?
Over the past year PINC returned +77.36% vs +18.17% for VTI, so PINC leads on 1-year performance. Over the longest common window we track (13 years), PINC annualized +5.01% vs +12.53% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PINC or VTI?
PINC has been the more volatile fund at 32.8% annualized versus 14.9% for VTI. Worst drawdown: PINC -56.7% vs VTI -35.0%.
Should I hold both PINC and VTI?
PINC and VTI have a monthly-return correlation of 0.18, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, PINC or VTI?
PINC yields 0.77% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than PINC?
VTI has a lower expense ratio. PINC led over 1Y and 3Y, VTI over 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.