TIPZ vs VTI
PIMCO Broad US TIPS Index Exchange-Traded Fund 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 | TIPZ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $89M | $663.5B | |
| Dividend Yield | 4.27% | 1.07% | |
| Holdings | 44 | 3,543 | |
| YTD Return | -0.26% | +13.87% | |
| 1Y Return | +0.83% | +23.31% | |
| 3Y Return (annualized) | +3.69% | +21.17% | |
| 5Y Return (annualized) | -0.13% | +12.23% | |
| Volatility (annualized) | 5.2% | 15.3% | |
| Max Drawdown | -15.8% | -56.6% | |
| Fund Family | PIMCO (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 3, 2009 | May 24, 2001 |
TIPZ vs VTI Performance
PIMCO Broad US TIPS Index Exchange-Traded Fund (TIPZ) is a ETF from PIMCO (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TIPZ returned +0.83% while VTI returned +23.31%. Year to date, TIPZ is down 0.26% versus a gain of 13.87% for VTI.
Over three years, TIPZ compounded at +3.69% per year against +21.17% for VTI; over five years the annualized figures are -0.13% and +12.23% respectively. Across the full 17-year window we track, VTI has the edge at +8.13% annualized vs +1.76%. 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 5.2% for TIPZ. 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 -15.8% for TIPZ 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TIPZ charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, TIPZ currently yields 4.27% against 1.07% for VTI.
Holdings Overlap
TIPZ and VTI share 0 holdings out of 2823 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, TIPZ or VTI?
TIPZ has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, TIPZ or VTI?
Over the past year TIPZ returned +0.83% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (17 years), TIPZ annualized +1.76% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, TIPZ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.2% for TIPZ. Worst drawdown: TIPZ -15.8% vs VTI -56.6%.
Should I hold both TIPZ and VTI?
TIPZ and VTI have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TIPZ and VTI?
TIPZ and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2823 unique securities.
Which pays a higher dividend, TIPZ or VTI?
TIPZ yields 4.27% while VTI yields 1.07%, so TIPZ currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.