PFFR vs VTI
InfraCap REIT Preferred ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, PFFR or VTI?
Long Term Mid Quality against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. PFFR is less concentrated, with 25.6% of the fund in its ten largest positions against 33.5%.
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 | PFFR | VTI |
|---|---|---|
| Expense Ratio | 0.45% | 0.03%Best |
| AUM | $114M | $689.2B |
| Dividend Yield | 8.70% | 1.06% |
| Holdings | 112 | 3,524 |
| YTD Return | -4.01% | +13.02%Best |
| 1Y Return | -4.32% | +16.63%Best |
| 3Y Return (annualized) | +7.14% | +21.97%Best |
| 5Y Return (annualized) | -0.33% | +11.99%Best |
| Volatility (annualized) | 15.3%Best | 16.0% |
| Max Drawdown | -54.2% | -35.0%Best |
| $10,000 over 5 years | $9,836 | $17,616Best |
| Top 10 Weight | 25.6%Best | 33.5% |
| Fund Family | Virtus Investment Partners | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term Mid Quality | Large Cap Blend |
| Inception | Feb 7, 2017 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Feb 8, 2017 to Oct 14, 2026 (9.7 years).
PFFR 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 9.7 years both funds cover.
PFFR vs VTI Performance
InfraCap REIT Preferred ETF (PFFR) is an ETF from Virtus Investment Partners and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year PFFR returned -4.32% while VTI returned +16.63%. Year to date, PFFR is down 4.01% versus a gain of 13.02% for VTI.
Over three years, PFFR compounded at +7.14% per year against +21.97% for VTI; over five years the annualized figures are -0.33% and +11.99% respectively. Across the full 10-year window we track, VTI has the edge at +13.65% annualized vs -0.08%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.0% compared with 15.3% for PFFR. 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 -54.2% for PFFR and -35.0% 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PFFR charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, PFFR currently yields 8.70% against 1.06% for VTI.
Holdings Overlap
3.1% of PFFR's money is in holdings VTI also owns.
PFFR and VTI share little of their money.
4 positions in common, counted across the 108 positions we hold weights for in PFFR and 3,441 in VTI, against full books of 112 and 3,524.
What only one of them owns
Measured across the 108 and 3,441 positions we hold weights for.
VTI holds 1,156 positions PFFR does not, 97.6% of the fund.
Largest: NVDA 6.88%, AAPL 6.30%, MSFT 5.11%, AMZN 3.41%, GOOGL 2.70%
You are not choosing between two funds in isolation.
Whichever of PFFR 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, PFFR or VTI?
PFFR has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option, by $42 a year on a $10,000 investment.
Which performed better, PFFR or VTI?
Over the past year PFFR returned -4.32% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), PFFR annualized -0.08% vs +13.65% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PFFR or VTI?
VTI has been the more volatile fund at 16.0% annualized versus 15.3% for PFFR. Worst drawdown: PFFR -54.2% vs VTI -35.0%.
Should I hold both PFFR and VTI?
PFFR and VTI have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between PFFR and VTI?
3.1% of PFFR's money is in holdings VTI also owns. 0.0% of VTI's is in holdings PFFR also owns. They hold 4 positions in common, counted across the 108 positions we hold weights for in PFFR and 3,441 in VTI.
Which pays a higher dividend, PFFR or VTI?
PFFR yields 8.70% while VTI yields 1.06%, so PFFR currently pays the higher dividend yield.
Is VTI better than PFFR?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. PFFR is less concentrated, with 25.6% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.