SEPW vs VTI
AllianzIM US Equity Buffer20 Sep 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 | SEPW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $101M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +6.05% | +13.14% | |
| 1Y Return | +9.90% | +22.35% | |
| 3Y Return (annualized) | +10.61% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 5.1% | 15.3% | |
| Max Drawdown | -8.4% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Sep 1, 2023 | May 24, 2001 |
SEPW vs VTI Performance
AllianzIM US Equity Buffer20 Sep ETF (SEPW) is a ETF from AllianzIM and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SEPW returned +9.90% while VTI returned +22.35%. Year to date, SEPW is up 6.05% versus a gain of 13.14% for VTI.
Over three years, SEPW compounded at +10.61% per year against +21.83% for VTI. Across the full 3-year window we track, SEPW has the edge at +10.61% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.1% for SEPW. 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 -8.4% for SEPW 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SEPW 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, SEPW currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, SEPW or VTI?
SEPW has an expense ratio of 0.74% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, SEPW or VTI?
Over the past year SEPW returned +9.90% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), SEPW annualized +10.61% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, SEPW or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.1% for SEPW. Worst drawdown: SEPW -8.4% vs VTI -56.6%.
Should I hold both SEPW and VTI?
SEPW and VTI have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, SEPW or VTI?
SEPW yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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