PRIV vs VTI
PRIV vs VTI
State Street IG Public & Private Credit 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 | PRIV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $837M | $663.5B | |
| Dividend Yield | 4.58% | 1.07% | |
| Holdings | 201 | 3,543 | |
| YTD Return | -0.02% | +13.92% | |
| 1Y Return | +2.70% | +24.07% | |
| 3Y Return (annualized) | - | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 3.1% | 15.3% | |
| Max Drawdown | -2.8% | -56.6% | |
| Fund Family | SPDR State Street Global Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 26, 2025 | May 24, 2001 |
PRIV vs VTI Performance
State Street IG Public & Private Credit ETF (PRIV) is a ETF from SPDR State Street Global Advisors and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PRIV returned +2.70% while VTI returned +24.07%. Year to date, PRIV is down 0.02% versus a gain of 13.92% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.1% for PRIV. 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 -2.8% for PRIV 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PRIV charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, PRIV currently yields 4.58% against 1.07% for VTI.
Holdings Overlap
PRIV and VTI share 0 holdings out of 2942 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, PRIV or VTI?
PRIV has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, PRIV or VTI?
Over the past year PRIV returned +2.70% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), PRIV annualized +3.51% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, PRIV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.1% for PRIV. Worst drawdown: PRIV -2.8% vs VTI -56.6%.
Should I hold both PRIV and VTI?
PRIV and VTI have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PRIV and VTI?
PRIV and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2942 unique securities.
Which pays a higher dividend, PRIV or VTI?
PRIV yields 4.58% while VTI yields 1.07%, so PRIV currently pays the higher dividend yield.
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