TPAY vs VTI
Roundhill S&P 500 Target 10 Managed Distribution ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TPAY or VTI?
Option Writing against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 5Y and the full window.
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 | TPAY | VTI |
|---|---|---|
| Expense Ratio | 0.49% | 0.03%Best |
| AUM | $2M | $666.9B |
| Dividend Yield | 4.67% | 1.03% |
| Holdings | 4 | 3,543 |
| YTD Return | +4.92% | +12.30%Best |
| 1Y Return | +4.92% | +16.08%Best |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | +3.50% | +12.36%Best |
| Volatility (annualized) | 56.0% | 16.9%Best |
| Max Drawdown | -49.6% | -35.0%Best |
| $10,000 over 5 years | $11,877 | $17,908Best |
| Fund Family | Roundhill Investments | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Option Writing | Large Cap Blend |
| Inception | Feb 18, 2026 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 1, 2019 to Sep 18, 2026 (7.6 years).
TPAY 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 7.6 years both funds cover.
TPAY vs VTI Performance
Roundhill S&P 500 Target 10 Managed Distribution ETF (TPAY) is an ETF from Roundhill Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TPAY returned +4.92% while VTI returned +16.08%. Year to date, TPAY is up 4.92% versus a gain of 12.30% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TPAY has been the more volatile fund, with annualized monthly volatility of 56.0% compared with 16.9% 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 -49.6% for TPAY and -35.0% 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 0.36. They move together some of the time, and apart the rest.
Fees and Cost Over Time
TPAY charges 0.49% per year while VTI charges 0.03%. On a $10,000 position that is $49 vs $3 annually, a gap of $46 per year that compounds over a long holding period. On income, TPAY currently yields 4.67% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of TPAY 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, TPAY or VTI?
TPAY has an expense ratio of 0.49% while VTI charges 0.03%. VTI is the cheaper option, by $46 a year on a $10,000 investment.
Which performed better, TPAY or VTI?
Over the past year TPAY returned +4.92% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), TPAY annualized +10.69% vs +15.09% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TPAY or VTI?
TPAY has been the more volatile fund at 56.0% annualized versus 16.9% for VTI. Worst drawdown: TPAY -49.6% vs VTI -35.0%.
Should I hold both TPAY and VTI?
TPAY and VTI have a monthly-return correlation of 0.36, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, TPAY or VTI?
TPAY yields 4.67% while VTI yields 1.03%, so TPAY currently pays the higher dividend yield.
Is VTI better than TPAY?
VTI has a lower expense ratio. VTI led over 1Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.