SAPH vs VTI
SAP SE ADRhedged 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 | SAPH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.19% | 0.03% | |
| AUM | $291,396.1 | $663.5B | |
| Dividend Yield | 4.09% | 1.07% | |
| Holdings | 2 | 3,543 | |
| YTD Return | -8.10% | +14.96% | |
| 1Y Return | -21.42% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 30.2% | 15.4% | |
| Max Drawdown | -51.7% | -56.6% | |
| Fund Family | ADRH | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jan 3, 2025 | May 24, 2001 |
SAPH vs VTI Performance
SAP SE ADRhedged (SAPH) is a ETF from ADRH and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SAPH returned -21.42% while VTI returned +22.39%. Year to date, SAPH is down 8.10% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
SAPH has been the more volatile fund, with annualized monthly volatility of 30.2% compared with 15.4% 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 -51.7% for SAPH 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 0.28. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SAPH charges 0.19% per year while VTI charges 0.03%. On a $10,000 position that is $19 vs $3 annually, a gap of $16 per year that compounds over a long holding period. On income, SAPH currently yields 4.09% against 1.07% for VTI.
Holdings Overlap
SAPH 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, SAPH or VTI?
SAPH has an expense ratio of 0.19% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $16 per year of difference.
Which performed better, SAPH or VTI?
Over the past year SAPH returned -21.42% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SAPH annualized -14.12% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SAPH or VTI?
SAPH has been the more volatile fund at 30.2% annualized versus 15.4% for VTI. Worst drawdown: SAPH -51.7% vs VTI -56.6%.
Should I hold both SAPH and VTI?
SAPH and VTI have a monthly-return correlation of 0.28, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SAPH and VTI?
SAPH and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, SAPH or VTI?
SAPH yields 4.09% while VTI yields 1.07%, so SAPH currently pays the higher dividend yield.
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