PTL vs VTI
Inspire 500 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 3,543 holdings.
Side-by-Side Comparison
| Metric | PTL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.03% | |
| AUM | $873M | $663.5B | |
| Dividend Yield | 1.31% | 1.07% | |
| Holdings | 486 | 3,543 | |
| YTD Return | +17.84% | +14.96% | |
| 1Y Return | +21.99% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 13.5% | 15.4% | |
| Max Drawdown | -19.7% | -56.6% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 25, 2024 | May 24, 2001 |
PTL vs VTI Performance
Inspire 500 ETF (PTL) is a ETF from Inspire ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PTL returned +21.99% while VTI returned +22.39%. Year to date, PTL is up 17.84% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 13.5% for PTL. 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 -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
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 1.31% against 1.07% for VTI.
Holdings Overlap
PTL and VTI share 381 holdings out of 2885 unique holdings combined, representing a 20.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $6 per year of difference.
Which performed better, PTL or VTI?
Over the past year PTL returned +21.99% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), PTL annualized +18.79% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, PTL or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 13.5% for PTL. Worst drawdown: PTL -19.7% vs VTI -56.6%.
Should I hold both PTL and VTI?
PTL 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 PTL and VTI?
PTL and VTI share 381 common holdings with a 20.3% weight overlap. Combined, they hold 2885 unique securities.
Which pays a higher dividend, PTL or VTI?
PTL yields 1.31% while VTI yields 1.07%, so PTL currently pays the higher dividend yield.
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