SPBC vs VTI
Simplify US Equity PLUS Bitcoin Strategy 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 | SPBC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.54% | 0.03% | |
| AUM | $43M | $666.9B | |
| Dividend Yield | 0.85% | 1.07% | |
| Holdings | 4 | 3,543 | |
| YTD Return | +10.50% | +14.82% | |
| 1Y Return | +14.21% | +22.43% | |
| 3Y Return (annualized) | +26.89% | +21.93% | |
| 5Y Return (annualized) | +14.88% | +12.34% | |
| Volatility (annualized) | 19.8% | 15.4% | |
| Max Drawdown | -33.8% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | May 24, 2021 | May 24, 2001 |
SPBC vs VTI Performance
Simplify US Equity PLUS Bitcoin Strategy ETF (SPBC) is a ETF from Simplify Exchange Traded Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SPBC returned +14.21% while VTI returned +22.43%. Year to date, SPBC is up 10.50% versus a gain of 14.82% for VTI.
Over three years, SPBC compounded at +26.89% per year against +21.93% for VTI; over five years the annualized figures are +14.88% and +12.34% respectively. Across the full 5-year window we track, SPBC has the edge at +16.13% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPBC has been the more volatile fund, with annualized monthly volatility of 19.8% 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 -33.8% for SPBC 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
SPBC charges 0.54% per year while VTI charges 0.03%. On a $10,000 position that is $54 vs $3 annually, a gap of $51 per year that compounds over a long holding period. On income, SPBC currently yields 0.85% against 1.07% for VTI.
Holdings Overlap
SPBC and VTI share 0 holdings out of 2789 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, SPBC or VTI?
SPBC has an expense ratio of 0.54% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $51 per year of difference.
Which performed better, SPBC or VTI?
Over the past year SPBC returned +14.21% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), SPBC annualized +16.13% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SPBC or VTI?
SPBC has been the more volatile fund at 19.8% annualized versus 15.4% for VTI. Worst drawdown: SPBC -33.8% vs VTI -56.6%.
Should I hold both SPBC and VTI?
SPBC 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.
What is the holdings overlap between SPBC and VTI?
SPBC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, SPBC or VTI?
SPBC yields 0.85% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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