TPAY vs VTI
Roundhill S&P 500 Target 10 Managed Distribution 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 | TPAY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $2M | $663.5B | |
| Dividend Yield | 3.15% | 1.07% | |
| Holdings | 0 | 3,543 | |
| YTD Return | +7.84% | +13.87% | |
| 1Y Return | +7.84% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | +3.16% | +12.23% | |
| Volatility (annualized) | 56.5% | 15.3% | |
| Max Drawdown | -49.6% | -56.6% | |
| Fund Family | Roundhill Investments | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Feb 18, 2026 | May 24, 2001 |
TPAY vs VTI Performance
Roundhill S&P 500 Target 10 Managed Distribution ETF (TPAY) is a ETF from Roundhill Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TPAY returned +7.84% while VTI returned +23.31%. Year to date, TPAY is up 7.84% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
TPAY has been the more volatile fund, with annualized monthly volatility of 56.5% 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 -49.6% for TPAY 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.15% against 1.07% for VTI.
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. On a $10,000 investment, that is $46 per year of difference.
Which performed better, TPAY or VTI?
Over the past year TPAY returned +7.84% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), TPAY annualized +11.25% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, TPAY or VTI?
TPAY has been the more volatile fund at 56.5% annualized versus 15.3% for VTI. Worst drawdown: TPAY -49.6% vs VTI -56.6%.
Should I hold both TPAY and VTI?
TPAY and VTI have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPAY or VTI?
TPAY yields 3.15% while VTI yields 1.07%, so TPAY currently pays the higher dividend yield.
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