SPIN vs VTI
State Street US Equity Premium Income 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 | SPIN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $46M | $663.5B | |
| Dividend Yield | 5.68% | 1.07% | |
| Holdings | 197 | 3,543 | |
| YTD Return | +3.81% | +14.20% | |
| 1Y Return | +12.52% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 9.5% | 15.3% | |
| Max Drawdown | -16.9% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 4, 2024 | May 24, 2001 |
SPIN vs VTI Performance
State Street US Equity Premium Income ETF (SPIN) 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 SPIN returned +12.52% while VTI returned +24.16%. Year to date, SPIN is up 3.81% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.5% 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 -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 0.92. 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 5.68% against 1.07% for VTI.
Holdings Overlap
SPIN and VTI share 94 holdings out of 2787 unique holdings combined, representing a 51.6% weight overlap.
High overlap means holding both may not provide much additional diversification.
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. On a $10,000 investment, that is $22 per year of difference.
Which performed better, SPIN or VTI?
Over the past year SPIN returned +12.52% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SPIN annualized +12.44% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, SPIN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.5% for SPIN. Worst drawdown: SPIN -16.9% vs VTI -56.6%.
Should I hold both SPIN and VTI?
SPIN and VTI have a monthly-return correlation of 0.92, 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 SPIN and VTI?
SPIN and VTI share 94 common holdings with a 51.6% weight overlap. Combined, they hold 2787 unique securities.
Which pays a higher dividend, SPIN or VTI?
SPIN yields 5.68% while VTI yields 1.07%, so SPIN currently pays the higher dividend yield.
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