SPUC vs VTI
Simplify US Equity Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SPUC or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. SPUC led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.96.
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 | SPUC | VTI |
|---|---|---|
| Expense Ratio | 0.53% | 0.03%Best |
| AUM | $233M | $666.9B |
| Dividend Yield | 13.20% | 1.03% |
| Holdings | 4 | 3,543 |
| YTD Return | +12.49% | +13.14%Best |
| 1Y Return | +12.17% | +16.63%Best |
| 3Y Return (annualized) | +24.78%Best | +22.30% |
| 5Y Return (annualized) | +12.74%Best | +12.01% |
| Volatility (annualized) | 19.4% | 15.6%Best |
| Max Drawdown | -29.2% | -25.4%Best |
| $10,000 over 5 years | $18,213Best | $17,631 |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Sep 3, 2020 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 4, 2020 to Sep 23, 2026 (6.1 years).
SPUC 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 6.1 years both funds cover.
SPUC vs VTI Performance
Simplify US Equity Income ETF (SPUC) is an ETF from Simplify Exchange Traded Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SPUC returned +12.17% while VTI returned +16.63%. Year to date, SPUC is up 12.49% versus a gain of 13.14% for VTI.
Over three years, SPUC compounded at +24.78% per year against +22.30% for VTI; over five years the annualized figures are +12.74% and +12.01% respectively. Across the full 6-year window we track, SPUC has the edge at +15.79% annualized vs +15.20%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPUC has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 15.6% for VTI. 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 -29.2% for SPUC and -25.4% 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SPUC charges 0.53% per year while VTI charges 0.03%. On a $10,000 position that is $53 vs $3 annually, a gap of $50 per year that compounds over a long holding period. On income, SPUC currently yields 13.20% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 1 holding in SPUC and 3,463 in VTI, totalling 0.1% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 1 positions we hold weights for in SPUC and 3,463 in VTI, against full books of 4 and 3,543.
You are not choosing between two funds in isolation.
Whichever of SPUC and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SPUC or VTI?
SPUC has an expense ratio of 0.53% while VTI charges 0.03%. VTI is the cheaper option, by $50 a year on a $10,000 investment.
Which performed better, SPUC or VTI?
Over the past year SPUC returned +12.17% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), SPUC annualized +15.79% vs +15.20% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SPUC or VTI?
SPUC has been the more volatile fund at 19.4% annualized versus 15.6% for VTI. Worst drawdown: SPUC -29.2% vs VTI -25.4%.
Should I hold both SPUC and VTI?
SPUC and VTI have a monthly-return correlation of 0.96, 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.
Which pays a higher dividend, SPUC or VTI?
SPUC yields 13.20% while VTI yields 1.03%, so SPUC currently pays the higher dividend yield.
Is VTI better than SPUC?
VTI has a lower expense ratio. SPUC led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.96. Which one suits a particular account depends on what it is for. This is information, not a recommendation.