QFLR vs VTI
Innovator Nasdaq-100 Managed Floor ETF vs Vanguard Morningstar 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 | QFLR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.89% | 0.03% | |
| AUM | $530M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 52 | 3,543 | |
| YTD Return | +2.66% | +13.14% | |
| 1Y Return | +12.58% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 10.4% | 15.3% | |
| Max Drawdown | -14.0% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jan 22, 2024 | May 24, 2001 |
QFLR vs VTI Performance
Innovator Nasdaq-100 Managed Floor ETF (QFLR) is a ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year QFLR returned +12.58% while VTI returned +22.35%. Year to date, QFLR is up 2.66% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.4% for QFLR. 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 -14.0% for QFLR 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
QFLR charges 0.89% per year while VTI charges 0.03%. On a $10,000 position that is $89 vs $3 annually, a gap of $86 per year that compounds over a long holding period. On income, QFLR currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
QFLR and VTI share 36 holdings out of 2790 unique holdings combined, representing a 39.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, QFLR or VTI?
QFLR has an expense ratio of 0.89% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $86 per year of difference.
Which performed better, QFLR or VTI?
Over the past year QFLR returned +12.58% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), QFLR annualized +14.09% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, QFLR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.4% for QFLR. Worst drawdown: QFLR -14.0% vs VTI -56.6%.
Should I hold both QFLR and VTI?
QFLR and VTI have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QFLR and VTI?
QFLR and VTI share 36 common holdings with a 39.1% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, QFLR or VTI?
QFLR yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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