AVMA vs VTI
AVMA vs VTI
Avantis Moderate Allocation 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 | AVMA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.21% | 0.03% | |
| AUM | $81M | $663.5B | |
| Dividend Yield | 2.02% | 1.07% | |
| Holdings | 19 | 3,543 | |
| YTD Return | +11.97% | +14.20% | |
| 1Y Return | +21.04% | +24.16% | |
| 3Y Return (annualized) | +15.15% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 9.4% | 15.3% | |
| Max Drawdown | -11.8% | -56.6% | |
| Fund Family | Avantis Investors | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jun 27, 2023 | May 24, 2001 |
AVMA vs VTI Performance
Avantis Moderate Allocation ETF (AVMA) is a ETF from Avantis Investors and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AVMA returned +21.04% while VTI returned +24.16%. Year to date, AVMA is up 11.97% versus a gain of 14.20% for VTI.
Over three years, AVMA compounded at +15.15% per year against +21.12% for VTI. Across the full 3-year window we track, AVMA has the edge at +15.49% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.4% for AVMA. 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 -11.8% for AVMA 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
AVMA charges 0.21% per year while VTI charges 0.03%. On a $10,000 position that is $21 vs $3 annually, a gap of $18 per year that compounds over a long holding period. On income, AVMA currently yields 2.02% against 1.07% for VTI.
Holdings Overlap
AVMA and VTI share 0 holdings out of 2801 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, AVMA or VTI?
AVMA has an expense ratio of 0.21% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $18 per year of difference.
Which performed better, AVMA or VTI?
Over the past year AVMA returned +21.04% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), AVMA annualized +15.49% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, AVMA or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.4% for AVMA. Worst drawdown: AVMA -11.8% vs VTI -56.6%.
Should I hold both AVMA and VTI?
AVMA 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.
What is the holdings overlap between AVMA and VTI?
AVMA and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, AVMA or VTI?
AVMA yields 2.02% while VTI yields 1.07%, so AVMA currently pays the higher dividend yield.
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