SPUC vs VTI
Simplify US Equity 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 | SPUC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.53% | 0.03% | |
| AUM | $141M | $663.5B | |
| Dividend Yield | 11.16% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +12.71% | +13.87% | |
| 1Y Return | +21.14% | +23.31% | |
| 3Y Return (annualized) | +23.00% | +21.17% | |
| 5Y Return (annualized) | +12.78% | +12.23% | |
| Volatility (annualized) | 19.5% | 15.3% | |
| Max Drawdown | -29.2% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 3, 2020 | May 24, 2001 |
SPUC vs VTI Performance
Simplify US Equity Income ETF (SPUC) is a ETF from Simplify Exchange Traded Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SPUC returned +21.14% while VTI returned +23.31%. Year to date, SPUC is up 12.71% versus a gain of 13.87% for VTI.
Over three years, SPUC compounded at +23.00% per year against +21.17% for VTI; over five years the annualized figures are +12.78% and +12.23% respectively. Across the full 6-year window we track, SPUC has the edge at +16.17% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPUC has been the more volatile fund, with annualized monthly volatility of 19.5% compared with 15.3% 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 -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 0.96. 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 11.16% against 1.07% for VTI.
Holdings Overlap
SPUC and VTI share 0 holdings out of 2784 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, SPUC or VTI?
SPUC has an expense ratio of 0.53% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $50 per year of difference.
Which performed better, SPUC or VTI?
Over the past year SPUC returned +21.14% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), SPUC annualized +16.17% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, SPUC or VTI?
SPUC has been the more volatile fund at 19.5% annualized versus 15.3% for VTI. Worst drawdown: SPUC -29.2% vs VTI -56.6%.
Should I hold both SPUC and VTI?
SPUC and VTI have a monthly-return correlation of 0.96, 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 SPUC and VTI?
SPUC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, SPUC or VTI?
SPUC yields 11.16% while VTI yields 1.07%, so SPUC currently pays the higher dividend yield.
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