SPBX vs VTI
AllianzIM 6 Month Buffer10 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 | SPBX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $68M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 7 | 3,543 | |
| YTD Return | +8.27% | +14.22% | |
| 1Y Return | +12.69% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 6.6% | 15.3% | |
| Max Drawdown | -11.1% | -56.6% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jan 7, 2025 | May 24, 2001 |
SPBX vs VTI Performance
AllianzIM 6 Month Buffer10 Allocation ETF (SPBX) is a ETF from AllianzIM and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SPBX returned +12.69% while VTI returned +22.19%. Year to date, SPBX is up 8.27% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.6% for SPBX. 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 -11.1% for SPBX 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SPBX 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, SPBX currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
SPBX 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, SPBX or VTI?
SPBX 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, SPBX or VTI?
Over the past year SPBX returned +12.69% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SPBX annualized +11.52% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, SPBX or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.6% for SPBX. Worst drawdown: SPBX -11.1% vs VTI -56.6%.
Should I hold both SPBX and VTI?
SPBX and VTI have a monthly-return correlation of 0.97, 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 SPBX and VTI?
SPBX and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, SPBX or VTI?
SPBX yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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