SPEU vs VTI
State Street SPDR Portfolio Europe 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 | SPEU | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $743M | $666.9B | |
| Dividend Yield | 3.37% | 1.07% | |
| Holdings | 1,737 | 3,543 | |
| YTD Return | +10.37% | +12.65% | |
| 1Y Return | +18.82% | +21.39% | |
| 3Y Return (annualized) | +18.59% | +21.54% | |
| 5Y Return (annualized) | +9.26% | +12.11% | |
| Volatility (annualized) | 18.1% | 15.3% | |
| Max Drawdown | -64.5% | -56.6% | |
| Fund Family | SPDR State Street Global Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 15, 2002 | May 24, 2001 |
SPEU vs VTI Performance
State Street SPDR Portfolio Europe ETF (SPEU) is a ETF from SPDR State Street Global Advisors and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SPEU returned +18.82% while VTI returned +21.39%. Year to date, SPEU is up 10.37% versus a gain of 12.65% for VTI.
Over three years, SPEU compounded at +18.59% per year against +21.54% for VTI; over five years the annualized figures are +9.26% and +12.11% respectively. Across the full 24-year window we track, VTI has the edge at +8.07% annualized vs +4.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPEU has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 15.3% 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 -64.5% for SPEU 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SPEU charges 0.07% per year while VTI charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, SPEU currently yields 3.37% against 1.07% for VTI.
Holdings Overlap
SPEU and VTI share 10 holdings out of 4442 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SPEU or VTI?
SPEU has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, SPEU or VTI?
Over the past year SPEU returned +18.82% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (24 years), SPEU annualized +4.10% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, SPEU or VTI?
SPEU has been the more volatile fund at 18.1% annualized versus 15.3% for VTI. Worst drawdown: SPEU -64.5% vs VTI -56.6%.
Should I hold both SPEU and VTI?
SPEU and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SPEU and VTI?
SPEU and VTI share 10 common holdings with a 0.1% weight overlap. Combined, they hold 4442 unique securities.
Which pays a higher dividend, SPEU or VTI?
SPEU yields 3.37% while VTI yields 1.07%, so SPEU currently pays the higher dividend yield.
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