MAMB vs VTI
MAMB vs VTI
Monarch Ambassador Income Index 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 | MAMB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.26% | 0.03% | |
| AUM | $192M | $663.5B | |
| Dividend Yield | 2.66% | 1.07% | |
| Holdings | 10 | 3,543 | |
| YTD Return | +0.13% | +14.20% | |
| 1Y Return | +4.54% | +24.16% | |
| 3Y Return (annualized) | +5.27% | +21.12% | |
| 5Y Return (annualized) | +0.42% | +12.37% | |
| Volatility (annualized) | 7.0% | 15.3% | |
| Max Drawdown | -19.3% | -56.6% | |
| Fund Family | Monarch Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 23, 2021 | May 24, 2001 |
MAMB vs VTI Performance
Monarch Ambassador Income Index ETF (MAMB) is a ETF from Monarch Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MAMB returned +4.54% while VTI returned +24.16%. Year to date, MAMB is up 0.13% versus a gain of 14.20% for VTI.
Over three years, MAMB compounded at +5.27% per year against +21.12% for VTI; over five years the annualized figures are +0.42% and +12.37% respectively. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs +0.71%. 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 7.0% for MAMB. 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 -19.3% for MAMB 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MAMB charges 1.26% per year while VTI charges 0.03%. On a $10,000 position that is $126 vs $3 annually, a gap of $123 per year that compounds over a long holding period. On income, MAMB currently yields 2.66% against 1.07% for VTI.
Holdings Overlap
MAMB and VTI share 0 holdings out of 2790 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, MAMB or VTI?
MAMB has an expense ratio of 1.26% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $123 per year of difference.
Which performed better, MAMB or VTI?
Over the past year MAMB returned +4.54% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), MAMB annualized +0.71% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, MAMB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.0% for MAMB. Worst drawdown: MAMB -19.3% vs VTI -56.6%.
Should I hold both MAMB and VTI?
MAMB and VTI have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MAMB and VTI?
MAMB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, MAMB or VTI?
MAMB yields 2.66% while VTI yields 1.07%, so MAMB currently pays the higher dividend yield.
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