PSFO vs VTI
Pacer Swan SOS Flex October ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | PSFO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $38M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 7 | 3,543 | |
| YTD Return | +9.10% | +13.87% | |
| 1Y Return | +14.88% | +23.31% | |
| 3Y Return (annualized) | +12.61% | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 8.5% | 15.3% | |
| Max Drawdown | -12.1% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Sep 30, 2021 | May 24, 2001 |
PSFO vs VTI Performance
Pacer Swan SOS Flex October ETF (PSFO) is a ETF from Pacer ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PSFO returned +14.88% while VTI returned +23.31%. Year to date, PSFO is up 9.10% versus a gain of 13.87% for VTI.
Over three years, PSFO compounded at +12.61% per year against +21.17% for VTI. Across the full 5-year window we track, PSFO has the edge at +11.69% annualized vs +8.13%. 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 8.5% for PSFO. 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 -12.1% for PSFO 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PSFO 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, PSFO currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
PSFO and VTI share 0 holdings out of 2784 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PSFO or VTI?
PSFO 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, PSFO or VTI?
Over the past year PSFO returned +14.88% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), PSFO annualized +11.69% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, PSFO or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.5% for PSFO. Worst drawdown: PSFO -12.1% vs VTI -56.6%.
Should I hold both PSFO and VTI?
PSFO and VTI have a monthly-return correlation of 0.93, 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 PSFO and VTI?
PSFO and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, PSFO or VTI?
PSFO yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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