POCT vs VTI
Innovator US Equity Power Buffer ETF - October 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 | POCT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $969M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +7.72% | +13.14% | |
| 1Y Return | +12.19% | +22.35% | |
| 3Y Return (annualized) | +12.05% | +21.83% | |
| 5Y Return (annualized) | +10.12% | +12.01% | |
| Volatility (annualized) | 7.6% | 15.3% | |
| Max Drawdown | -18.8% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Sep 28, 2018 | May 24, 2001 |
POCT vs VTI Performance
Innovator US Equity Power Buffer ETF - October (POCT) is a ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year POCT returned +12.19% while VTI returned +22.35%. Year to date, POCT is up 7.72% versus a gain of 13.14% for VTI.
Over three years, POCT compounded at +12.05% per year against +21.83% for VTI; over five years the annualized figures are +10.12% and +12.01% respectively. Across the full 8-year window we track, POCT has the edge at +8.94% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.6% for POCT. 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 -18.8% for POCT 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
POCT charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, POCT currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, POCT or VTI?
POCT has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, POCT or VTI?
Over the past year POCT returned +12.19% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), POCT annualized +8.94% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, POCT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.6% for POCT. Worst drawdown: POCT -18.8% vs VTI -56.6%.
Should I hold both POCT and VTI?
POCT and VTI have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, POCT or VTI?
POCT yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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