TRFK vs VTI
Pacer Data and Digital Revolution ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. TRFK delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | TRFK | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $948M | $663.5B | |
| Dividend Yield | 0.01% | 1.07% | |
| Holdings | 85 | 3,543 | |
| YTD Return | +51.11% | +14.22% | |
| 1Y Return | +55.65% | +22.19% | |
| 3Y Return (annualized) | +47.37% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 30.5% | 15.3% | |
| Max Drawdown | -29.1% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 8, 2022 | May 24, 2001 |
TRFK vs VTI Performance
Pacer Data and Digital Revolution ETF (TRFK) is a ETF from Pacer ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TRFK returned +55.65% while VTI returned +22.19%. Year to date, TRFK is up 51.11% versus a gain of 14.22% for VTI.
Over three years, TRFK compounded at +47.37% per year against +21.27% for VTI. Across the full 4-year window we track, TRFK has the edge at +39.29% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TRFK has been the more volatile fund, with annualized monthly volatility of 30.5% 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 -29.1% for TRFK 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TRFK 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, TRFK currently yields 0.01% against 1.07% for VTI.
Holdings Overlap
TRFK and VTI share 54 holdings out of 2810 unique holdings combined, representing a 15.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TRFK or VTI?
TRFK 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, TRFK or VTI?
Over the past year TRFK returned +55.65% vs +22.19% for VTI, so TRFK leads on 1-year performance. Over the longest common window we track (4 years), TRFK annualized +39.29% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, TRFK or VTI?
TRFK has been the more volatile fund at 30.5% annualized versus 15.3% for VTI. Worst drawdown: TRFK -29.1% vs VTI -56.6%.
Should I hold both TRFK and VTI?
TRFK and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TRFK and VTI?
TRFK and VTI share 54 common holdings with a 15.1% weight overlap. Combined, they hold 2810 unique securities.
Which pays a higher dividend, TRFK or VTI?
TRFK yields 0.01% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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