PJBF vs VTI
PGIM Jennison Better Future ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, PJBF or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 50.7%.
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 | PJBF | VTI |
|---|---|---|
| Expense Ratio | 0.59% | 0.03%Best |
| AUM | $11M | $666.9B |
| Dividend Yield | 0.21% | 1.03% |
| Holdings | 44 | 3,543 |
| Volatility (annualized) | 18.2% | 12.4%Best |
| Max Drawdown | -25.7% | -19.3%Best |
| $10,000 over 2.6 years | $13,420 | $16,201Best |
| Top 10 Weight | 50.7% | 33.3%Best |
| Fund Family | PGIM Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Dec 14, 2023 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 67 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. PJBF has data through Jul 13, 2026 and VTI through Sep 18, 2026.
Volatility and max drawdown, and the $10,000 over 2.6 years row, are measured over the window both funds cover: Dec 19, 2023 to Jul 13, 2026 (2.6 years).
Risk: Volatility and Drawdowns
PJBF has been the more volatile fund, with annualized monthly volatility of 18.2% compared with 12.4% 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 -25.7% for PJBF and -19.3% 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PJBF charges 0.59% per year while VTI charges 0.03%. On a $10,000 position that is $59 vs $3 annually, a gap of $56 per year that compounds over a long holding period. On income, PJBF currently yields 0.21% against 1.03% for VTI.
Holdings Overlap
61.4% of PJBF's money is in holdings VTI also owns. 31.7% of VTI's money is in holdings PJBF also owns.
The two portfolios partly overlap.
The two holdings books were reported 122 days apart, PJBF as of Mar 31, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
21 positions in common, counted across the 37 positions we hold weights for in PJBF and 3,463 in VTI, against full books of 44 and 3,543.
What only one of them owns
Our book lists 1,129 positions for VTI that do not appear in our book for PJBF (65.8% of the fund), and 3 for PJBF that do not appear in VTI (3.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in PJBF | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 8.19% | 6.40% | 1.79% |
| GOOGLAlphabet Inc,class A | 7.37% | 2.90% | 4.47% |
| AAPLApple, Inc | 3.63% | 6.29% | 2.66% |
| AMZNAmazon.Com Inc | 4.33% | 3.65% | 0.68% |
| MSFTMicrosoft Corp | 1.07% | 4.79% | 3.72% |
| GEVGe Vernova, Inc. | 5.20% | 0.37% | 4.83% |
| AVGOBroadcom Inc | 1.75% | 2.56% | 0.81% |
| AMDAdvanced Micro Devices Inc | 3.01% | 1.08% | 1.93% |
| LRCXLrcx Uw Equity | 3.32% | 0.51% | 2.81% |
| LLYEli Lilly & Co. | 2.34% | 1.35% | 0.99% |
61.4% of PJBF is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PJBF or VTI?
PJBF has an expense ratio of 0.59% while VTI charges 0.03%. VTI is the cheaper option, by $56 a year on a $10,000 investment.
Which is riskier, PJBF or VTI?
PJBF has been the more volatile fund at 18.2% annualized versus 12.4% for VTI. Worst drawdown: PJBF -25.7% vs VTI -19.3%.
Should I hold both PJBF and VTI?
PJBF and VTI have a monthly-return correlation of 0.81, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between PJBF and VTI?
61.4% of PJBF's money is in holdings VTI also owns. 31.7% of VTI's is in holdings PJBF also owns. They hold 21 positions in common, counted across the 37 positions we hold weights for in PJBF and 3,463 in VTI.
Which pays a higher dividend, PJBF or VTI?
PJBF yields 0.21% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than PJBF?
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 50.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.