SPTI vs VTI
State Street SPDR Portfolio Intermediate Term Treasury ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SPTI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $10.7B | $666.9B | |
| Dividend Yield | 3.89% | 1.07% | |
| Holdings | 107 | 3,543 | |
| YTD Return | -0.40% | +13.14% | |
| 1Y Return | +1.75% | +22.35% | |
| 3Y Return (annualized) | +4.13% | +21.83% | |
| 5Y Return (annualized) | -0.21% | +12.01% | |
| Volatility (annualized) | 3.8% | 15.3% | |
| Max Drawdown | -16.3% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 23, 2007 | May 24, 2001 |
SPTI vs VTI Performance
State Street SPDR Portfolio Intermediate Term Treasury ETF (SPTI) is a ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SPTI returned +1.75% while VTI returned +22.35%. Year to date, SPTI is down 0.40% versus a gain of 13.14% for VTI.
Over three years, SPTI compounded at +4.13% per year against +21.83% for VTI; over five years the annualized figures are -0.21% and +12.01% respectively. Across the full 19-year window we track, VTI has the edge at +8.09% annualized vs +1.08%. 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 3.8% for SPTI. 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 -16.3% for SPTI 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 -0.04. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SPTI charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SPTI currently yields 3.89% against 1.07% for VTI.
Holdings Overlap
SPTI and VTI share 0 holdings out of 2794 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, SPTI or VTI?
SPTI 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, SPTI or VTI?
Over the past year SPTI returned +1.75% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (19 years), SPTI annualized +1.08% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, SPTI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.8% for SPTI. Worst drawdown: SPTI -16.3% vs VTI -56.6%.
Should I hold both SPTI and VTI?
SPTI and VTI have a monthly-return correlation of -0.04, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SPTI and VTI?
SPTI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2794 unique securities.
Which pays a higher dividend, SPTI or VTI?
SPTI yields 3.89% while VTI yields 1.07%, so SPTI currently pays the higher dividend yield.
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