PTL vs VTI
Inspire 500 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, PTL or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92. PTL is less concentrated, with 28.4% of the fund in its ten largest positions against 33.3%.
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 | PTL | VTI |
|---|---|---|
| Expense Ratio | 0.09% | 0.03%Best |
| AUM | $880M | $666.9B |
| Dividend Yield | 1.14% | 1.03% |
| Holdings | 471 | 3,543 |
| YTD Return | +10.83% | +12.30%Best |
| 1Y Return | +11.65% | +16.08%Best |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 13.3% | 12.4%Best |
| Max Drawdown | -19.7% | -19.3%Best |
| $10,000 over 2.5 years | $14,213 | $15,042Best |
| Top 10 Weight | 28.4%Best | 33.3% |
| Fund Family | Inspire ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Mar 25, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Mar 26, 2024 to Sep 18, 2026 (2.5 years).
PTL 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 2.5 years both funds cover.
PTL vs VTI Performance
Inspire 500 ETF (PTL) is an ETF from Inspire ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year PTL returned +11.65% while VTI returned +16.08%. Year to date, PTL is up 10.83% versus a gain of 12.30% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PTL has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 12.4% for VTI. 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 -19.7% for PTL and -19.3% 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PTL charges 0.09% per year while VTI charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, PTL currently yields 1.14% against 1.03% for VTI.
Holdings Overlap
97.5% of PTL's money is in holdings VTI also owns. 20.6% of VTI's money is in holdings PTL also owns.
Most of PTL is already inside VTI. Owning both mostly buys the same companies twice.
459 positions in common, counted across the 469 positions we hold weights for in PTL and 3,463 in VTI, against full books of 471 and 3,543.
What only one of them owns
Our book lists 722 positions for VTI that do not appear in our book for PTL (77.0% of the fund), and 6 for PTL that do not appear in VTI (1.4%).
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 PTL | Weight in VTI | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 10.83% | 2.56% | 8.27% |
| XOMExxon Mobil Corp. | 4.15% | 0.89% | 3.26% |
| CATCaterpillar, Inc. | 1.97% | 0.52% | 1.45% |
| HDHome Depot Inc/The | 2.00% | 0.46% | 1.54% |
| PLTRPalantir Technologies Inc | 2.05% | 0.37% | 1.68% |
| WELLWelltower, Inc. | 1.73% | 0.23% | 1.50% |
| GEVGe Vernova, Inc. | 1.46% | 0.37% | 1.09% |
| WDCWestern Digital Corp Company Guar 11/28 3 | 1.54% | 0.26% | 1.28% |
| LINLinde Plc Ordinary Shares | 1.37% | 0.31% | 1.06% |
| ANETArista Networks Inc Common Stock | 1.34% | 0.27% | 1.07% |
97.5% of PTL 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, PTL or VTI?
PTL has an expense ratio of 0.09% while VTI charges 0.03%. VTI is the cheaper option, by $6 a year on a $10,000 investment.
Which performed better, PTL or VTI?
Over the past year PTL returned +11.65% vs +16.08% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PTL or VTI?
PTL has been the more volatile fund at 13.3% annualized versus 12.4% for VTI. Worst drawdown: PTL -19.7% vs VTI -19.3%.
Should I hold both PTL and VTI?
PTL and VTI have a monthly-return correlation of 0.92, 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 PTL and VTI?
97.5% of PTL's money is in holdings VTI also owns. 20.6% of VTI's is in holdings PTL also owns. They hold 459 positions in common, counted across the 469 positions we hold weights for in PTL and 3,463 in VTI.
Which pays a higher dividend, PTL or VTI?
PTL yields 1.14% while VTI yields 1.03%, so PTL currently pays the higher dividend yield.
Is VTI better than PTL?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92. PTL is less concentrated, with 28.4% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.