PJFM vs VTI
PGIM Jennison Focused Mid-Cap ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | PJFM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $21M | $666.9B | |
| Dividend Yield | 0.58% | 1.07% | |
| Holdings | 45 | 3,543 | |
| YTD Return | +7.83% | +13.14% | |
| 1Y Return | +13.85% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 15.5% | 15.3% | |
| Max Drawdown | -22.8% | -56.6% | |
| Fund Family | PGIM Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 14, 2023 | May 24, 2001 |
PJFM vs VTI Performance
PGIM Jennison Focused Mid-Cap ETF (PJFM) is a ETF from PGIM Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PJFM returned +13.85% while VTI returned +22.35%. Year to date, PJFM is up 7.83% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
PJFM has been the more volatile fund, with annualized monthly volatility of 15.5% 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 -22.8% for PJFM 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PJFM charges 0.49% per year while VTI charges 0.03%. On a $10,000 position that is $49 vs $3 annually, a gap of $46 per year that compounds over a long holding period. On income, PJFM currently yields 0.58% against 1.07% for VTI.
Holdings Overlap
PJFM and VTI share 32 holdings out of 2802 unique holdings combined, representing a 1.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PJFM or VTI?
PJFM has an expense ratio of 0.49% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, PJFM or VTI?
Over the past year PJFM returned +13.85% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), PJFM annualized +11.39% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, PJFM or VTI?
PJFM has been the more volatile fund at 15.5% annualized versus 15.3% for VTI. Worst drawdown: PJFM -22.8% vs VTI -56.6%.
Should I hold both PJFM and VTI?
PJFM and VTI have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PJFM and VTI?
PJFM and VTI share 32 common holdings with a 1.1% weight overlap. Combined, they hold 2802 unique securities.
Which pays a higher dividend, PJFM or VTI?
PJFM yields 0.58% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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