SPBU vs VTI
AllianzIM Buffer15 Uncapped Allocation ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SPBU or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 83.5%.
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 | SPBU | VTI |
|---|---|---|
| Expense Ratio | 0.79% | 0.03%Best |
| AUM | $187M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 13 | 3,543 |
| YTD Return | +7.17% | +11.06%Best |
| 1Y Return | +10.18% | +15.41%Best |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 9.3%Best | 12.1% |
| Max Drawdown | -8.3%Best | -14.0% |
| $10,000 over 1.5 years | $12,165 | $13,328Best |
| Top 10 Weight | 83.5% | 33.3%Best |
| Fund Family | AllianzIM | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Mar 5, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Mar 6, 2025 to Sep 16, 2026 (1.5 years).
SPBU 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 1.5 years both funds cover.
SPBU vs VTI Performance
AllianzIM Buffer15 Uncapped Allocation ETF (SPBU) is an ETF from AllianzIM and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SPBU returned +10.18% while VTI returned +15.41%. Year to date, SPBU is up 7.17% versus a gain of 11.06% 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 12.1% compared with 9.3% for SPBU. 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 -8.3% for SPBU and -14.0% 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
SPBU charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, SPBU currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 12 holdings in SPBU and 3,463 in VTI, totalling 100.0% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 12 positions we hold weights for in SPBU and 3,463 in VTI, against full books of 13 and 3,543.
What only one of them owns
Measured across the 12 and 3,463 positions we hold weights for.
VTI holds 1,150 positions SPBU does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
You are not choosing between two funds in isolation.
Whichever of SPBU 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, SPBU or VTI?
SPBU has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option, by $76 a year on a $10,000 investment.
Which performed better, SPBU or VTI?
Over the past year SPBU returned +10.18% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SPBU annualized +13.96% vs +21.11% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SPBU or VTI?
VTI has been the more volatile fund at 12.1% annualized versus 9.3% for SPBU. Worst drawdown: SPBU -8.3% vs VTI -14.0%.
Should I hold both SPBU and VTI?
SPBU 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, SPBU or VTI?
SPBU yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than SPBU?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 83.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.