PSMJ vs VTI
Pacer Swan SOS Moderate July 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 | PSMJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $94M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +7.32% | +14.96% | |
| 1Y Return | +11.46% | +22.39% | |
| 3Y Return (annualized) | +13.31% | +21.51% | |
| 5Y Return (annualized) | +10.71% | +12.36% | |
| Volatility (annualized) | 8.0% | 15.4% | |
| Max Drawdown | -10.9% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2021 | May 24, 2001 |
PSMJ vs VTI Performance
Pacer Swan SOS Moderate July ETF (PSMJ) is a ETF from Pacer ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PSMJ returned +11.46% while VTI returned +22.39%. Year to date, PSMJ is up 7.32% versus a gain of 14.96% for VTI.
Over three years, PSMJ compounded at +13.31% per year against +21.51% for VTI; over five years the annualized figures are +10.71% and +12.36% respectively. Across the full 5-year window we track, PSMJ has the edge at +10.69% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 8.0% for PSMJ. 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 -10.9% for PSMJ 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PSMJ 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, PSMJ currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
PSMJ 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, PSMJ or VTI?
PSMJ 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, PSMJ or VTI?
Over the past year PSMJ returned +11.46% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), PSMJ annualized +10.69% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, PSMJ or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 8.0% for PSMJ. Worst drawdown: PSMJ -10.9% vs VTI -56.6%.
Should I hold both PSMJ and VTI?
PSMJ and VTI have a monthly-return correlation of 0.92, 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 PSMJ and VTI?
PSMJ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, PSMJ or VTI?
PSMJ yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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