PINC vs VTI
PGIM Securitized Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. PINC delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | PINC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $25M | $666.9B | |
| Dividend Yield | 0.77% | 1.07% | |
| Holdings | 106 | 3,543 | |
| YTD Return | -0.23% | +12.65% | |
| 1Y Return | +97.57% | +21.39% | |
| 3Y Return (annualized) | +30.11% | +21.54% | |
| 5Y Return (annualized) | +8.81% | +12.11% | |
| Volatility (annualized) | 32.9% | 15.3% | |
| Max Drawdown | -56.7% | -56.6% | |
| Fund Family | PGIM Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 1, 2026 | May 24, 2001 |
PINC vs VTI Performance
PGIM Securitized Income ETF (PINC) is a ETF from PGIM Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PINC returned +97.57% while VTI returned +21.39%. Year to date, PINC is down 0.23% versus a gain of 12.65% for VTI.
Over three years, PINC compounded at +30.11% per year against +21.54% for VTI; over five years the annualized figures are +8.81% and +12.11% respectively. Across the full 13-year window we track, VTI has the edge at +8.07% annualized vs +5.18%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PINC has been the more volatile fund, with annualized monthly volatility of 32.9% 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 -56.7% for PINC 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 0.18. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.07% for VTI.
Holdings Overlap
PINC and VTI share 0 holdings out of 2795 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, PINC or VTI?
PINC has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, PINC or VTI?
Over the past year PINC returned +97.57% vs +21.39% for VTI, so PINC leads on 1-year performance. Over the longest common window we track (13 years), PINC annualized +5.18% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, PINC or VTI?
PINC has been the more volatile fund at 32.9% annualized versus 15.3% for VTI. Worst drawdown: PINC -56.7% vs VTI -56.6%.
Should I hold both PINC and VTI?
PINC and VTI have a monthly-return correlation of 0.18, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PINC and VTI?
PINC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, PINC or VTI?
PINC yields 0.77% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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