SEPT vs VTI
AllianzIM US Equity Buffer10 Sep ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SEPT or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.98.
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 | SEPT | VTI |
|---|---|---|
| Expense Ratio | 0.74% | 0.03%Best |
| AUM | $33M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 5 | 3,543 |
| YTD Return | +8.82% | +12.28%Best |
| 1Y Return | +11.93% | +16.78%Best |
| 3Y Return (annualized) | +15.58% | +20.89%Best |
| 5Y Return (annualized) | - | +11.94% |
| Volatility (annualized) | 7.8%Best | 12.8% |
| Max Drawdown | -12.8%Best | -19.3% |
| $10,000 over 3 years | $15,185 | $17,237Best |
| Fund Family | AllianzIM | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Aug 31, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 1, 2023 to Sep 17, 2026 (3 years).
SEPT 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 3 years both funds cover.
SEPT vs VTI Performance
AllianzIM US Equity Buffer10 Sep ETF (SEPT) is an ETF from AllianzIM and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SEPT returned +11.93% while VTI returned +16.78%. Year to date, SEPT is up 8.82% versus a gain of 12.28% for VTI.
Over three years, SEPT compounded at +15.58% per year against +20.89% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.8% compared with 7.8% for SEPT. 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 -12.8% for SEPT 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 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SEPT charges 0.74% per year while VTI charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, SEPT currently yields 0.00% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of SEPT and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SEPT or VTI?
SEPT has an expense ratio of 0.74% while VTI charges 0.03%. VTI is the cheaper option, by $71 a year on a $10,000 investment.
Which performed better, SEPT or VTI?
Over the past year SEPT returned +11.93% vs +16.78% 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, SEPT or VTI?
VTI has been the more volatile fund at 12.8% annualized versus 7.8% for SEPT. Worst drawdown: SEPT -12.8% vs VTI -19.3%.
Should I hold both SEPT and VTI?
SEPT and VTI have a monthly-return correlation of 0.98, 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.
Which pays a higher dividend, SEPT or VTI?
SEPT yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than SEPT?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.98. Which one suits a particular account depends on what it is for. This is information, not a recommendation.