SWP vs VTI
SWP Growth & Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SWP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.03% | |
| AUM | $155M | $666.9B | |
| Dividend Yield | 8.65% | 1.07% | |
| Holdings | 75 | 3,543 | |
| YTD Return | +7.20% | +12.65% | |
| 1Y Return | +16.05% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 11.8% | 15.3% | |
| Max Drawdown | -15.7% | -56.6% | |
| Fund Family | GammaRoad | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 24, 2024 | May 24, 2001 |
SWP vs VTI Performance
SWP Growth & Income ETF (SWP) is a ETF from GammaRoad and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SWP returned +16.05% while VTI returned +21.39%. Year to date, SWP is up 7.20% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.8% for SWP. 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 -15.7% for SWP 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SWP charges 0.99% per year while VTI charges 0.03%. On a $10,000 position that is $99 vs $3 annually, a gap of $96 per year that compounds over a long holding period. On income, SWP currently yields 8.65% against 1.07% for VTI.
Holdings Overlap
SWP and VTI share 38 holdings out of 2794 unique holdings combined, representing a 26.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SWP or VTI?
SWP has an expense ratio of 0.99% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, SWP or VTI?
Over the past year SWP returned +16.05% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SWP annualized +14.97% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, SWP or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.8% for SWP. Worst drawdown: SWP -15.7% vs VTI -56.6%.
Should I hold both SWP and VTI?
SWP and VTI have a monthly-return correlation of 0.92, 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 SWP and VTI?
SWP and VTI share 38 common holdings with a 26.2% weight overlap. Combined, they hold 2794 unique securities.
Which pays a higher dividend, SWP or VTI?
SWP yields 8.65% while VTI yields 1.07%, so SWP currently pays the higher dividend yield.
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