FLRT vs VTI
FLRT vs VTI
Pacer Aristotle Pacific Floating Rate High Income 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 | FLRT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.03% | |
| AUM | $657M | $663.5B | |
| Dividend Yield | 6.77% | 1.07% | |
| Holdings | 274 | 3,543 | |
| YTD Return | +2.51% | +13.92% | |
| 1Y Return | +5.26% | +24.07% | |
| 3Y Return (annualized) | +7.92% | +20.88% | |
| 5Y Return (annualized) | +6.12% | +12.47% | |
| Volatility (annualized) | 5.3% | 15.3% | |
| Max Drawdown | -25.8% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 18, 2015 | May 24, 2001 |
FLRT vs VTI Performance
Pacer Aristotle Pacific Floating Rate High Income ETF (FLRT) is a ETF from Pacer ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FLRT returned +5.26% while VTI returned +24.07%. Year to date, FLRT is up 2.51% versus a gain of 13.92% for VTI.
Over three years, FLRT compounded at +7.92% per year against +20.88% for VTI; over five years the annualized figures are +6.12% and +12.47% respectively. Across the full 12-year window we track, VTI has the edge at +8.13% annualized vs +2.54%. 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 5.3% for FLRT. 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 -25.8% for FLRT 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLRT charges 0.60% per year while VTI charges 0.03%. On a $10,000 position that is $60 vs $3 annually, a gap of $57 per year that compounds over a long holding period. On income, FLRT currently yields 6.77% against 1.07% for VTI.
Holdings Overlap
FLRT and VTI share 0 holdings out of 2959 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, FLRT or VTI?
FLRT has an expense ratio of 0.60% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $57 per year of difference.
Which performed better, FLRT or VTI?
Over the past year FLRT returned +5.26% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (12 years), FLRT annualized +2.54% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, FLRT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.3% for FLRT. Worst drawdown: FLRT -25.8% vs VTI -56.6%.
Should I hold both FLRT and VTI?
FLRT and VTI have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLRT and VTI?
FLRT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2959 unique securities.
Which pays a higher dividend, FLRT or VTI?
FLRT yields 6.77% while VTI yields 1.07%, so FLRT currently pays the higher dividend yield.
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