SPBW vs VTI
AllianzIM Buffer20 Allocation ETF 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 | SPBW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $83M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 13 | 3,543 | |
| YTD Return | +6.40% | +14.96% | |
| 1Y Return | +10.11% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 4.9% | 15.4% | |
| Max Drawdown | -8.8% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jan 7, 2025 | May 24, 2001 |
SPBW vs VTI Performance
AllianzIM Buffer20 Allocation ETF (SPBW) is a ETF from AllianzIM and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SPBW returned +10.11% while VTI returned +22.39%. Year to date, SPBW is up 6.40% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 4.9% for SPBW. 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 -8.8% for SPBW 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SPBW 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, SPBW currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
SPBW and VTI share 0 holdings out of 2786 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, SPBW or VTI?
SPBW has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, SPBW or VTI?
Over the past year SPBW returned +10.11% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SPBW annualized +10.16% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SPBW or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 4.9% for SPBW. Worst drawdown: SPBW -8.8% vs VTI -56.6%.
Should I hold both SPBW and VTI?
SPBW and VTI have a monthly-return correlation of 0.96, 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 SPBW and VTI?
SPBW and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2786 unique securities.
Which pays a higher dividend, SPBW or VTI?
SPBW yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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