PSFF vs VTI
Pacer Swan SOS Fund of Funds ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, PSFF or VTI?
All Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y 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 92.3%.
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 | PSFF | VTI |
|---|---|---|
| Expense Ratio | 0.66% | 0.03%Best |
| AUM | $603M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 14 | 3,543 |
| YTD Return | +8.34% | +12.30%Best |
| 1Y Return | +11.34% | +16.08%Best |
| 3Y Return (annualized) | +12.61% | +21.01%Best |
| 5Y Return (annualized) | +9.80% | +12.36%Best |
| Volatility (annualized) | 7.2%Best | 15.2% |
| Max Drawdown | -10.8%Best | -25.4% |
| $10,000 over 5 years | $15,959 | $17,908Best |
| Top 10 Weight | 92.3% | 33.3%Best |
| Fund Family | Pacer ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Blend |
| Inception | Dec 29, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Dec 30, 2020 to Sep 18, 2026 (5.7 years).
PSFF vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.7 years both funds cover.
PSFF vs VTI Performance
Pacer Swan SOS Fund of Funds ETF (PSFF) is an ETF from Pacer ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year PSFF returned +11.34% while VTI returned +16.08%. Year to date, PSFF is up 8.34% versus a gain of 12.30% for VTI.
Over three years, PSFF compounded at +12.61% per year against +21.01% for VTI; over five years the annualized figures are +9.80% and +12.36% respectively. Across the full 6-year window we track, VTI has the edge at +13.78% annualized vs +10.02%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.2% compared with 7.2% for PSFF. 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 -10.8% for PSFF and -25.4% 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
PSFF charges 0.66% per year while VTI charges 0.03%. On a $10,000 position that is $66 vs $3 annually, a gap of $63 per year that compounds over a long holding period. On income, PSFF currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 13 holdings in PSFF and 3,463 in VTI, totalling 100.0% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 13 positions we hold weights for in PSFF and 3,463 in VTI, against full books of 14 and 3,543.
What only one of them owns
Measured across the 13 and 3,463 positions we hold weights for.
VTI holds 1,150 positions PSFF does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
You are not choosing between two funds in isolation.
Whichever of PSFF and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PSFF or VTI?
PSFF has an expense ratio of 0.66% while VTI charges 0.03%. VTI is the cheaper option, by $63 a year on a $10,000 investment.
Which performed better, PSFF or VTI?
Over the past year PSFF returned +11.34% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), PSFF annualized +10.02% vs +13.78% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PSFF or VTI?
VTI has been the more volatile fund at 15.2% annualized versus 7.2% for PSFF. Worst drawdown: PSFF -10.8% vs VTI -25.4%.
Should I hold both PSFF and VTI?
PSFF 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.
Which pays a higher dividend, PSFF or VTI?
PSFF yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than PSFF?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y 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 92.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.