LIAU vs VTI
LifeX 2060 Inflation-Protected Longevity Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, LIAU or VTI?
Inflation Protection against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
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 | LIAU | VTI |
|---|---|---|
| Expense Ratio | 0.25% | 0.03%Best |
| AUM | $2M | $689.2B |
| Dividend Yield | 4.38% | 1.06% |
| Holdings | 28 | 3,524 |
| YTD Return | -8.58% | +13.02%Best |
| 1Y Return | -10.81% | +16.63%Best |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 8.0%Best | 12.7% |
| Max Drawdown | -14.3%Best | -19.3% |
| $10,000 over 2.1 years | $8,733 | $13,993Best |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Inflation Protection | Large Cap Blend |
| Inception | Jan 17, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.1 years row, are measured over the window both funds cover: Sep 16, 2024 to Oct 14, 2026 (2.1 years).
LIAU 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 covers the 2.1 years both funds cover.
LIAU vs VTI Performance
LifeX 2060 Inflation-Protected Longevity Income ETF (LIAU) is an ETF from Stone Ridge Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year LIAU returned -10.81% while VTI returned +16.63%. Year to date, LIAU is down 8.58% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.7% compared with 8.0% for LIAU. 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 -14.3% for LIAU and -19.3% 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 0.37. They move together some of the time, and apart the rest.
Fees and Cost Over Time
LIAU charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, LIAU currently yields 4.38% against 1.06% for VTI.
Holdings Overlap
We hold position weights for 14 holdings in LIAU and 3,441 in VTI, totalling 57.5% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 14 positions we hold weights for in LIAU and 3,441 in VTI, against full books of 28 and 3,524.
You are not choosing between two funds in isolation.
Whichever of LIAU 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, LIAU or VTI?
LIAU has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option, by $22 a year on a $10,000 investment.
Which performed better, LIAU or VTI?
Over the past year LIAU returned -10.81% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), LIAU annualized -6.25% vs +17.35% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LIAU or VTI?
VTI has been the more volatile fund at 12.7% annualized versus 8.0% for LIAU. Worst drawdown: LIAU -14.3% vs VTI -19.3%.
Should I hold both LIAU and VTI?
LIAU and VTI have a monthly-return correlation of 0.37, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, LIAU or VTI?
LIAU yields 4.38% while VTI yields 1.06%, so LIAU currently pays the higher dividend yield.
Is VTI better than LIAU?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.