SPIN vs VTI
State Street US Equity Premium Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SPIN or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 46.1%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SPIN | VTI |
|---|---|---|
| Expense Ratio | 0.25% | 0.03%Best |
| AUM | $48M | $666.9B |
| Dividend Yield | 4.85% | 1.03% |
| Holdings | 101 | 3,543 |
| YTD Return | +0.81% | +11.06%Best |
| 1Y Return | +5.66% | +15.41%Best |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 9.4%Best | 13.1% |
| Max Drawdown | -16.9%Best | -19.3% |
| $10,000 over 2 years | $12,129 | $13,974Best |
| Top 10 Weight | 46.1% | 33.3%Best |
| Fund Family | State Street Investment Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Sep 4, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2 years row, are measured over the window both funds cover: Sep 5, 2024 to Sep 16, 2026 (2 years).
SPIN vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 2 years both funds cover.
SPIN vs VTI Performance
State Street US Equity Premium Income ETF (SPIN) is an ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SPIN returned +5.66% while VTI returned +15.41%. Year to date, SPIN is up 0.81% versus a gain of 11.06% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.1% compared with 9.4% for SPIN. 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 -16.9% for SPIN and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SPIN charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, SPIN currently yields 4.85% against 1.03% for VTI.
Holdings Overlap
97.1% of SPIN's money is in holdings VTI also owns. 55.7% of VTI's money is in holdings SPIN also owns.
Most of SPIN is already inside VTI. Owning both mostly buys the same companies twice.
93 positions in common, counted across the 96 positions we hold weights for in SPIN and 3,463 in VTI, against full books of 101 and 3,543.
What only one of them owns
Our book lists 1,058 positions for VTI that do not appear in our book for SPIN (41.8% of the fund), and 2 for SPIN that do not appear in VTI (1.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SPIN | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 9.74% | 6.40% | 3.34% |
| MSFTMicrosoft Corp | 7.32% | 4.79% | 2.53% |
| AAPLApple, Inc | 5.63% | 6.29% | 0.66% |
| AMZNAmazon.Com Inc | 4.94% | 3.65% | 1.29% |
| GOOGLAlphabet Inc,class A | 5.43% | 2.90% | 2.53% |
| AVGOBroadcom Inc | 3.33% | 2.56% | 0.77% |
| METAMeta Platforms Inc | 2.69% | 1.70% | 0.99% |
| MUMicron Technology, Inc. | 2.73% | 1.29% | 1.44% |
| JPMJpmorgan Chase | 2.12% | 1.31% | 0.81% |
| LLYEli Lilly & Co. | 1.98% | 1.35% | 0.63% |
97.1% of SPIN is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SPIN or VTI?
SPIN has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option, by $22 a year on a $10,000 investment.
Which performed better, SPIN or VTI?
Over the past year SPIN returned +5.66% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SPIN annualized +10.13% vs +18.21% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SPIN or VTI?
VTI has been the more volatile fund at 13.1% annualized versus 9.4% for SPIN. Worst drawdown: SPIN -16.9% vs VTI -19.3%.
Should I hold both SPIN and VTI?
SPIN and VTI have a monthly-return correlation of 0.92, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between SPIN and VTI?
97.1% of SPIN's money is in holdings VTI also owns. 55.7% of VTI's is in holdings SPIN also owns. They hold 93 positions in common, counted across the 96 positions we hold weights for in SPIN and 3,463 in VTI.
Which pays a higher dividend, SPIN or VTI?
SPIN yields 4.85% while VTI yields 1.03%, so SPIN currently pays the higher dividend yield.
Is VTI better than SPIN?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 46.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.