AIUP vs VTI
FINQ FIRST US Large Cap AI-Managed Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, AIUP or VTI?
VTI costs less.
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 76.8%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AIUP | VTI |
|---|---|---|
| Expense Ratio | 0.70% | 0.03%Best |
| AUM | $5M | $689.2B |
| Dividend Yield | 0.00% | 1.06% |
| Holdings | 34 | 3,524 |
| YTD Return | +20.81%Best | +13.02% |
| 1Y Return | - | +16.63% |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Top 10 Weight | 76.8% | 33.5%Best |
| Fund Family | FINQ AI, LLC | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 5, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
AIUP vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
AIUP vs VTI Performance
FINQ FIRST US Large Cap AI-Managed Equity ETF (AIUP) is an ETF from FINQ AI, LLC and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, AIUP is up 20.81% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
AIUP charges 0.70% per year while VTI charges 0.03%. On a $10,000 position that is $70 vs $3 annually, a gap of $67 per year that compounds over a long holding period. On income, AIUP currently yields 0.00% against 1.06% for VTI.
Holdings Overlap
99.1% of AIUP's money is in holdings VTI also owns. 24.2% of VTI's money is in holdings AIUP also owns.
Most of AIUP is already inside VTI. Owning both mostly buys the same companies twice.
15 positions in common, counted across the 16 positions we hold weights for in AIUP and 3,441 in VTI, against full books of 34 and 3,524.
What only one of them owns
Our book lists 1,141 positions for VTI that do not appear in our book for AIUP (73.4% of the fund), and 1 for AIUP that do not appear in VTI (0.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in AIUP | Weight in VTI | Difference |
|---|---|---|---|
| MUMicron Technology, Inc. | 14.86% | 1.46% | 13.40% |
| METAMeta Platforms Inc | 14.58% | 1.70% | 12.88% |
| SNDKVSandisk Corp. | 15.15% | 0.31% | 14.84% |
| NVDANvidia Corp | 4.50% | 6.88% | 2.38% |
| MSFTMicrosoft Corp | 4.52% | 5.11% | 0.59% |
| AMZNAmazon.Com Inc | 4.50% | 3.41% | 1.09% |
| GOOGLAlphabet Inc | 4.46% | 2.70% | 1.76% |
| AMDAdvanced Micro Devices Inc | 4.50% | 1.04% | 3.46% |
| PANWPalo Alto Networks, Inc | 4.62% | 0.42% | 4.20% |
| CRMSalesforce Inc Crm Us Equity | 4.68% | 0.27% | 4.41% |
99.1% of AIUP is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, AIUP or VTI?
AIUP has an expense ratio of 0.70% while VTI charges 0.03%. VTI is the cheaper option, by $67 a year on a $10,000 investment.
What is the holdings overlap between AIUP and VTI?
99.1% of AIUP's money is in holdings VTI also owns. 24.2% of VTI's is in holdings AIUP also owns. They hold 15 positions in common, counted across the 16 positions we hold weights for in AIUP and 3,441 in VTI.
Which pays a higher dividend, AIUP or VTI?
AIUP yields 0.00% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than AIUP?
VTI has a lower expense ratio. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 76.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.