PTLC vs VTI
PTLC vs VTI
Pacer Trendpilot US Large Cap 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 | PTLC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.03% | |
| AUM | $3.2B | $663.5B | |
| Dividend Yield | 1.01% | 1.07% | |
| Holdings | 506 | 3,543 | |
| YTD Return | +7.75% | +13.57% | |
| 1Y Return | +16.48% | +24.23% | |
| 3Y Return (annualized) | +13.35% | +20.73% | |
| 5Y Return (annualized) | +9.98% | +12.24% | |
| Volatility (annualized) | 65348.8% | 15.3% | |
| Max Drawdown | -100.0% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 11, 2015 | May 24, 2001 |
PTLC vs VTI Performance
Pacer Trendpilot US Large Cap ETF (PTLC) is a ETF from Pacer ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PTLC returned +16.48% while VTI returned +24.23%. Year to date, PTLC is up 7.75% versus a gain of 13.57% for VTI.
Over three years, PTLC compounded at +13.35% per year against +20.73% for VTI; over five years the annualized figures are +9.98% and +12.24% respectively. Across the full 21-year window we track, PTLC has the edge at +37.01% annualized vs +8.12%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PTLC has been the more volatile fund, with annualized monthly volatility of 65348.8% 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 -100.0% for PTLC 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 -0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PTLC 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, PTLC currently yields 1.01% against 1.07% for VTI.
Holdings Overlap
PTLC and VTI share 453 holdings out of 2823 unique holdings combined, representing a 85.6% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in PTLC | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 7.33% | 6.32% | 1.01% |
| AAPL | 7.04% | 5.84% | 1.20% |
| MSFT | 4.50% | 3.81% | 0.69% |
| AMZN | Pro | Pro | Pro |
| GOOGL | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
See all 10 holdings PTLC shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, PTLC or VTI?
PTLC 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, PTLC or VTI?
Over the past year PTLC returned +16.48% vs +24.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (21 years), PTLC annualized +37.01% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, PTLC or VTI?
PTLC has been the more volatile fund at 65348.8% annualized versus 15.3% for VTI. Worst drawdown: PTLC -100.0% vs VTI -56.6%.
Should I hold both PTLC and VTI?
PTLC and VTI have a monthly-return correlation of -0.05, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PTLC and VTI?
PTLC and VTI share 453 common holdings with a 85.6% weight overlap. Combined, they hold 2823 unique securities.
Which pays a higher dividend, PTLC or VTI?
PTLC yields 1.01% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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