State Street SPDR MSCI USA Climate Paris Aligned ETF (NZUS) is a ETF from State Street Investment Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NZUS returned +23.21% while VTI returned +24.07%. Year to date, NZUS is up 5.91% versus a gain of 13.92% for VTI.

Over three years, NZUS compounded at +20.81% per year against +20.88% for VTI. Across the full 4-year window we track, NZUS has the edge at +14.42% annualized vs +8.13%. Past performance does not guarantee future results.

NZUS has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 15.3% for VTI. 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 -21.0% for NZUS 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 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.

NZUS charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, NZUS currently yields 0.88% against 1.07% for VTI.