UAUG vs VTI
Innovator US Equity Ultra Buffer ETF - August 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 | UAUG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $162M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +7.91% | +14.96% | |
| 1Y Return | +11.71% | +22.39% | |
| 3Y Return (annualized) | +13.61% | +21.51% | |
| 5Y Return (annualized) | +8.46% | +12.36% | |
| Volatility (annualized) | 7.8% | 15.4% | |
| Max Drawdown | -13.9% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jul 31, 2019 | May 24, 2001 |
UAUG vs VTI Performance
Innovator US Equity Ultra Buffer ETF - August (UAUG) is a ETF from Innovator ETFs Trust and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UAUG returned +11.71% while VTI returned +22.39%. Year to date, UAUG is up 7.91% versus a gain of 14.96% for VTI.
Over three years, UAUG compounded at +13.61% per year against +21.51% for VTI; over five years the annualized figures are +8.46% and +12.36% respectively. Across the full 7-year window we track, UAUG has the edge at +8.17% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 7.8% for UAUG. 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 -13.9% for UAUG 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
UAUG charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, UAUG currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, UAUG or VTI?
UAUG has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, UAUG or VTI?
Over the past year UAUG returned +11.71% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), UAUG annualized +8.17% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, UAUG or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 7.8% for UAUG. Worst drawdown: UAUG -13.9% vs VTI -56.6%.
Should I hold both UAUG and VTI?
UAUG and VTI have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, UAUG or VTI?
UAUG yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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