SURI vs VTI
Simplify Propel Opportunities ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. SURI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SURI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 2.56% | 0.03% | |
| AUM | $80M | $666.9B | |
| Dividend Yield | 14.99% | 1.07% | |
| Holdings | 37 | 3,543 | |
| YTD Return | +28.43% | +12.65% | |
| 1Y Return | +52.76% | +21.39% | |
| 3Y Return (annualized) | +14.59% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 29.6% | 15.3% | |
| Max Drawdown | -47.8% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 7, 2023 | May 24, 2001 |
SURI vs VTI Performance
Simplify Propel Opportunities ETF (SURI) is a ETF from Simplify Exchange Traded Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SURI returned +52.76% while VTI returned +21.39%. Year to date, SURI is up 28.43% versus a gain of 12.65% for VTI.
Over three years, SURI compounded at +14.59% per year against +21.54% for VTI. Across the full 4-year window we track, SURI has the edge at +9.95% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SURI has been the more volatile fund, with annualized monthly volatility of 29.6% 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 -47.8% for SURI 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SURI charges 2.56% per year while VTI charges 0.03%. On a $10,000 position that is $256 vs $3 annually, a gap of $253 per year that compounds over a long holding period. On income, SURI currently yields 14.99% against 1.07% for VTI.
Holdings Overlap
SURI and VTI share 13 holdings out of 2800 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, SURI or VTI?
SURI has an expense ratio of 2.56% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $253 per year of difference.
Which performed better, SURI or VTI?
Over the past year SURI returned +52.76% vs +21.39% for VTI, so SURI leads on 1-year performance. Over the longest common window we track (4 years), SURI annualized +9.95% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, SURI or VTI?
SURI has been the more volatile fund at 29.6% annualized versus 15.3% for VTI. Worst drawdown: SURI -47.8% vs VTI -56.6%.
Should I hold both SURI and VTI?
SURI and VTI have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SURI and VTI?
SURI and VTI share 13 common holdings with a 0.0% weight overlap. Combined, they hold 2800 unique securities.
Which pays a higher dividend, SURI or VTI?
SURI yields 14.99% while VTI yields 1.07%, so SURI currently pays the higher dividend yield.
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