AINP vs VTI
AINP vs VTI
Allspring Income Plus 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 | AINP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.36% | 0.03% | |
| AUM | $217M | $663.5B | |
| Dividend Yield | 5.83% | 1.07% | |
| Holdings | 411 | 3,543 | |
| YTD Return | +0.85% | +10.14% | |
| 1Y Return | +4.20% | +19.82% | |
| 3Y Return (annualized) | - | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 2.5% | 15.4% | |
| Max Drawdown | -2.6% | -56.6% | |
| Fund Family | Allspring Global Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 4, 2024 | May 24, 2001 |
AINP vs VTI Performance
Allspring Income Plus ETF (AINP) is a ETF from Allspring Global Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AINP returned +4.20% while VTI returned +19.82%. Year to date, AINP is up 0.85% versus a gain of 10.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 2.5% for AINP. 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 -2.6% for AINP 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AINP charges 0.36% per year while VTI charges 0.03%. On a $10,000 position that is $36 vs $3 annually, a gap of $33 per year that compounds over a long holding period. On income, AINP currently yields 5.83% against 1.07% for VTI.
Holdings Overlap
AINP and VTI share 0 holdings out of 2954 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AINP or VTI?
AINP has an expense ratio of 0.36% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, AINP or VTI?
Over the past year AINP returned +4.20% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), AINP annualized +4.24% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, AINP or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 2.5% for AINP. Worst drawdown: AINP -2.6% vs VTI -56.6%.
Should I hold both AINP and VTI?
AINP and VTI have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AINP and VTI?
AINP and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2954 unique securities.
Which pays a higher dividend, AINP or VTI?
AINP yields 5.83% while VTI yields 1.07%, so AINP currently pays the higher dividend yield.
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