SPIB vs VTI
State Street SPDR Portfolio Intermediate Term Corporate Bond 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 | SPIB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.03% | |
| AUM | $11.4B | $663.5B | |
| Dividend Yield | 4.44% | 1.07% | |
| Holdings | 5,091 | 3,543 | |
| YTD Return | +0.09% | +14.22% | |
| 1Y Return | +2.55% | +22.19% | |
| 3Y Return (annualized) | +5.79% | +21.27% | |
| 5Y Return (annualized) | +1.61% | +12.23% | |
| Volatility (annualized) | 4.1% | 15.3% | |
| Max Drawdown | -14.9% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 10, 2009 | May 24, 2001 |
SPIB vs VTI Performance
State Street SPDR Portfolio Intermediate Term Corporate Bond ETF (SPIB) is a ETF from State Street Investment Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SPIB returned +2.55% while VTI returned +22.19%. Year to date, SPIB is up 0.09% versus a gain of 14.22% for VTI.
Over three years, SPIB compounded at +5.79% per year against +21.27% for VTI; over five years the annualized figures are +1.61% and +12.23% respectively. Across the full 18-year window we track, VTI has the edge at +8.14% annualized vs +1.53%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.1% for SPIB. 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 -14.9% for SPIB 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SPIB charges 0.04% per year while VTI charges 0.03%. On a $10,000 position that is $4 vs $3 annually, a gap of $1 per year that compounds over a long holding period. On income, SPIB currently yields 4.44% against 1.07% for VTI.
Holdings Overlap
SPIB and VTI share 3 holdings out of 3870 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, SPIB or VTI?
SPIB has an expense ratio of 0.04% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, SPIB or VTI?
Over the past year SPIB returned +2.55% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (18 years), SPIB annualized +1.53% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, SPIB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.1% for SPIB. Worst drawdown: SPIB -14.9% vs VTI -56.6%.
Should I hold both SPIB and VTI?
SPIB and VTI have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SPIB and VTI?
SPIB and VTI share 3 common holdings with a 0.0% weight overlap. Combined, they hold 3870 unique securities.
Which pays a higher dividend, SPIB or VTI?
SPIB yields 4.44% while VTI yields 1.07%, so SPIB currently pays the higher dividend yield.
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