TRFK vs VTI
Pacer Data and Digital Revolution ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TRFK or VTI?
All Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. TRFK led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 56.9%.
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 | TRFK | VTI |
|---|---|---|
| Expense Ratio | 0.49% | 0.03%Best |
| AUM | $1.2B | $690.1B |
| Dividend Yield | 0.01% | 1.03% |
| Holdings | 192 | 3,524 |
| YTD Return | +57.72%Best | +12.51% |
| 1Y Return | +49.43%Best | +15.23% |
| 3Y Return (annualized) | +48.96%Best | +22.50% |
| 5Y Return (annualized) | - | +12.31% |
| Volatility (annualized) | 29.8% | 14.8%Best |
| Max Drawdown | -29.1% | -19.3%Best |
| $10,000 over 4.3 years | $41,475Best | $19,795 |
| Top 10 Weight | 56.9% | 33.3%Best |
| Fund Family | Pacer ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Blend |
| Inception | Jun 8, 2022 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 4.3 years row, are measured over the window both funds cover: Jun 9, 2022 to Oct 1, 2026 (4.3 years).
TRFK 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 4.3 years both funds cover.
TRFK vs VTI Performance
Pacer Data and Digital Revolution ETF (TRFK) is an ETF from Pacer ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TRFK returned +49.43% while VTI returned +15.23%. Year to date, TRFK is up 57.72% versus a gain of 12.51% for VTI.
Over three years, TRFK compounded at +48.96% per year against +22.50% for VTI. Across the full 4-year window we track, TRFK has the edge at +39.21% annualized vs +17.21%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TRFK has been the more volatile fund, with annualized monthly volatility of 29.8% compared with 14.8% 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 -19.3% 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 0.74. 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 1.03% for VTI.
Holdings Overlap
80.0% of TRFK's money is in holdings VTI also owns. 16.9% of VTI's money is in holdings TRFK also owns.
Most of TRFK is already inside VTI. Owning both mostly buys the same companies twice.
64 positions in common, counted across the 94 positions we hold weights for in TRFK and 3,463 in VTI, against full books of 192 and 3,524.
What only one of them owns
Our book lists 1,096 positions for VTI that do not appear in our book for TRFK (80.7% of the fund), and 4 for TRFK that do not appear in VTI (3.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in TRFK | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 9.92% | 6.40% | 3.52% |
| AVGOBroadcom Inc | 9.42% | 2.56% | 6.86% |
| MUMicron Technology, Inc. | 8.53% | 1.29% | 7.24% |
| AMDAdvanced Micro Devices Inc | 6.52% | 1.08% | 5.44% |
| CSCOCisco Systems Inc. - Ordinary Shares | 4.02% | 0.57% | 3.45% |
| INTCIntel Corporation | 4.02% | 0.50% | 3.52% |
| ORCLOracle Corp - Common | 4.00% | 0.31% | 3.69% |
| PANWPalo Alto Networks, Inc | 2.69% | 0.38% | 2.31% |
| ANETArista Networks Inc. | 2.52% | 0.27% | 2.25% |
| SNDKSandisk Corp/De | 2.42% | 0.25% | 2.17% |
80.0% of TRFK is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $46 a year on a $10,000 investment.
Which performed better, TRFK or VTI?
Over the past year TRFK returned +49.43% vs +15.23% for VTI, so TRFK leads on 1-year performance. Over the longest common window we track (4 years), TRFK annualized +39.21% vs +17.21% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TRFK or VTI?
TRFK has been the more volatile fund at 29.8% annualized versus 14.8% for VTI. Worst drawdown: TRFK -29.1% vs VTI -19.3%.
Should I hold both TRFK and VTI?
TRFK and VTI have a monthly-return correlation of 0.74, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between TRFK and VTI?
80.0% of TRFK's money is in holdings VTI also owns. 16.9% of VTI's is in holdings TRFK also owns. They hold 64 positions in common, counted across the 94 positions we hold weights for in TRFK and 3,463 in VTI.
Which pays a higher dividend, TRFK or VTI?
TRFK yields 0.01% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than TRFK?
VTI has a lower expense ratio. TRFK led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 56.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.