SPTB vs VTI
State Street SPDR Portfolio Treasury ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SPTB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $289M | $663.5B | |
| Dividend Yield | 4.18% | 1.07% | |
| Holdings | 284 | 3,543 | |
| YTD Return | -0.39% | +14.96% | |
| 1Y Return | +1.32% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 3.9% | 15.4% | |
| Max Drawdown | -5.0% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | May 20, 2024 | May 24, 2001 |
SPTB vs VTI Performance
State Street SPDR Portfolio Treasury ETF (SPTB) 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 SPTB returned +1.32% while VTI returned +22.39%. Year to date, SPTB is down 0.39% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 3.9% for SPTB. 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 -5.0% for SPTB 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SPTB charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SPTB currently yields 4.18% against 1.07% for VTI.
Holdings Overlap
SPTB and VTI share 0 holdings out of 3025 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, SPTB or VTI?
SPTB has an expense ratio of 0.03% while VTI charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SPTB or VTI?
Over the past year SPTB returned +1.32% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SPTB annualized +3.34% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SPTB or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 3.9% for SPTB. Worst drawdown: SPTB -5.0% vs VTI -56.6%.
Should I hold both SPTB and VTI?
SPTB and VTI have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SPTB and VTI?
SPTB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3025 unique securities.
Which pays a higher dividend, SPTB or VTI?
SPTB yields 4.18% while VTI yields 1.07%, so SPTB currently pays the higher dividend yield.
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