PRAY vs VTI
FIS Christian Stock Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, PRAY or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.95. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.6%.
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 | PRAY | VTI |
|---|---|---|
| Expense Ratio | 0.69% | 0.03%Best |
| AUM | $78M | $666.9B |
| Dividend Yield | 0.61% | 1.03% |
| Holdings | 69 | 3,543 |
| Volatility (annualized) | 14.3%Best | 16.2% |
| Max Drawdown | -21.4%Best | -22.4% |
| $10,000 over 3.9 years | $12,807 | $15,612Best |
| Top 10 Weight | 38.6% | 33.3%Best |
| Fund Family | Faith Investor Services | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 7, 2022 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 273 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. PRAY has data through Dec 31, 2025 and VTI through Sep 30, 2026.
Volatility and max drawdown, and the $10,000 over 3.9 years row, are measured over the window both funds cover: Feb 8, 2022 to Dec 31, 2025 (3.9 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.2% 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 -22.4% 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 0.95. 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 1.03% for VTI.
Holdings Overlap
68.8% of PRAY's money is in holdings VTI also owns. 25.1% of VTI's money is in holdings PRAY also owns.
The two portfolios partly overlap.
49 positions in common, counted across the 68 positions we hold weights for in PRAY and 3,463 in VTI, against full books of 69 and 3,543.
What only one of them owns
Our book lists 1,101 positions for VTI that do not appear in our book for PRAY (72.3% of the fund), and 7 for PRAY that do not appear in VTI (11.1%).
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 PRAY | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.80% | 6.40% | 0.40% |
| MSFTMicrosoft Corp | 2.55% | 4.79% | 2.24% |
| GOOGLAlphabet Inc,class A | 3.12% | 2.90% | 0.22% |
| AMZNAmazon.Com Inc | 1.94% | 3.65% | 1.71% |
| AVGOBroadcom Inc | 2.89% | 2.56% | 0.33% |
| CASYCaseys General | 4.44% | 0.04% | 4.40% |
| IBKRInteractive Brokers Group Inc | 3.44% | 0.05% | 3.39% |
| FIXComfort Systems USA Inc. | 2.91% | 0.08% | 2.83% |
| CATCaterpillar, Inc. | 1.71% | 0.52% | 1.19% |
| COSTCostco Wholesale Corp. | 1.44% | 0.59% | 0.85% |
68.8% of PRAY 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, PRAY or VTI?
PRAY has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option, by $66 a year on a $10,000 investment.
Which is riskier, PRAY or VTI?
VTI has been the more volatile fund at 16.2% annualized versus 14.3% for PRAY. Worst drawdown: PRAY -21.4% vs VTI -22.4%.
Should I hold both PRAY and VTI?
PRAY and VTI have a monthly-return correlation of 0.95, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between PRAY and VTI?
68.8% of PRAY's money is in holdings VTI also owns. 25.1% of VTI's is in holdings PRAY also owns. They hold 49 positions in common, counted across the 68 positions we hold weights for in PRAY and 3,463 in VTI.
Which pays a higher dividend, PRAY or VTI?
PRAY yields 0.61% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than PRAY?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.95. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.