SPCT vs VTI
Liberty One Spectrum ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SPCT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $68M | $663.5B | |
| Dividend Yield | 0.75% | 1.07% | |
| Holdings | 53 | 3,543 | |
| YTD Return | +10.82% | +14.22% | |
| 1Y Return | - | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -7.2% | -56.6% | |
| Fund Family | Liberty One Investment Management, LLC | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 30, 2025 | May 24, 2001 |
SPCT vs VTI Performance
Liberty One Spectrum ETF (SPCT) is a ETF from Liberty One Investment Management, LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, SPCT is up 10.82% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -7.2% for SPCT and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SPCT charges 0.85% per year while VTI charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, SPCT currently yields 0.75% against 1.07% for VTI.
Holdings Overlap
SPCT and VTI share 49 holdings out of 2785 unique holdings combined, representing a 26.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SPCT or VTI?
SPCT has an expense ratio of 0.85% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
What is the holdings overlap between SPCT and VTI?
SPCT and VTI share 49 common holdings with a 26.4% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, SPCT or VTI?
SPCT yields 0.75% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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