APRW vs VTI
AllianzIM US Equity Buffer20 Apr ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, APRW or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.91.
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 | APRW | VTI |
|---|---|---|
| Expense Ratio | 0.74% | 0.03%Best |
| AUM | $204M | $689.2B |
| Dividend Yield | 0.00% | 1.06% |
| Holdings | 15 | 3,524 |
| Volatility (annualized) | 5.7%Best | 15.9% |
| Max Drawdown | -9.6%Best | -25.4% |
| $10,000 over 5.5 years | $14,183 | $23,076Best |
| Fund Family | AllianzIM | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | May 28, 2020 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 299 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. APRW has data through Dec 19, 2025 and VTI through Oct 14, 2026.
Volatility and max drawdown, and the $10,000 over 5.5 years row, are measured over the window both funds cover: Jun 1, 2020 to Dec 19, 2025 (5.5 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 5.7% for APRW. 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 -9.6% for APRW and -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
APRW charges 0.74% per year while VTI charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, APRW currently yields 0.00% against 1.06% for VTI.
You are not choosing between two funds in isolation.
Whichever of APRW and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, APRW or VTI?
APRW has an expense ratio of 0.74% while VTI charges 0.03%. VTI is the cheaper option, by $71 a year on a $10,000 investment.
Which is riskier, APRW or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 5.7% for APRW. Worst drawdown: APRW -9.6% vs VTI -25.4%.
Should I hold both APRW and VTI?
APRW and VTI have a monthly-return correlation of 0.91, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, APRW or VTI?
APRW yields 0.00% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than APRW?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.91. Which one suits a particular account depends on what it is for. This is information, not a recommendation.