PRAY vs VTI
FIS Christian Stock Fund 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 | PRAY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $80M | $666.9B | |
| Dividend Yield | 0.61% | 1.07% | |
| Holdings | 68 | 3,543 | |
| YTD Return | +9.33% | +13.38% | |
| 1Y Return | +9.08% | +21.12% | |
| 3Y Return (annualized) | +13.88% | +21.85% | |
| 5Y Return (annualized) | - | +12.44% | |
| Volatility (annualized) | 14.3% | 15.3% | |
| Max Drawdown | -21.4% | -56.6% | |
| Fund Family | Faith Investor Services | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 7, 2022 | May 24, 2001 |
PRAY vs VTI Performance
FIS Christian Stock Fund (PRAY) is a ETF from Faith Investor Services and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PRAY returned +9.08% while VTI returned +21.12%. Year to date, PRAY is up 9.33% versus a gain of 13.38% for VTI.
Over three years, PRAY compounded at +13.88% per year against +21.85% for VTI. Across the full 4-year window we track, VTI has the edge at +8.10% annualized vs +6.55%. 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 14.3% for PRAY. 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 -21.4% for PRAY 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PRAY charges 0.69% per year while VTI charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, PRAY currently yields 0.61% against 1.07% for VTI.
Holdings Overlap
PRAY and VTI share 46 holdings out of 2809 unique holdings combined, representing a 20.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PRAY or VTI?
PRAY has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, PRAY or VTI?
Over the past year PRAY returned +9.08% vs +21.12% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), PRAY annualized +6.55% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, PRAY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.3% for PRAY. Worst drawdown: PRAY -21.4% vs VTI -56.6%.
Should I hold both PRAY and VTI?
PRAY and VTI have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between PRAY and VTI?
PRAY and VTI share 46 common holdings with a 20.8% weight overlap. Combined, they hold 2809 unique securities.
Which pays a higher dividend, PRAY or VTI?
PRAY yields 0.61% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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