ACP vs VTI
Abrdn Income Credit Strategies Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, ACP or VTI?
High Yield Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y 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 | ACP | VTI |
|---|---|---|
| Expense Ratio | 2.86% | 0.03%Best |
| AUM | $805M | $666.9B |
| Dividend Yield | 17.42% | 1.03% |
| Holdings | 214 | 3,543 |
| YTD Return | -3.45% | +12.30%Best |
| 1Y Return | -6.66% | +16.08%Best |
| 3Y Return (annualized) | +2.90% | +21.01%Best |
| 5Y Return (annualized) | -1.35% | +12.36%Best |
| Volatility (annualized) | 19.7% | 14.6%Best |
| Max Drawdown | -70.9% | -35.0%Best |
| $10,000 over 5 years | $9,343 | $17,908Best |
| Fund Family | Aberdeen | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Blend |
| Inception | Jan 27, 2011 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jan 27, 2011 to Sep 18, 2026 (15.6 years).
ACP 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.
ACP vs VTI Performance
Abrdn Income Credit Strategies Fund (ACP) is an ETF from Aberdeen and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year ACP returned -6.66% while VTI returned +16.08%. Year to date, ACP is down 3.45% versus a gain of 12.30% for VTI.
Over three years, ACP compounded at +2.90% per year against +21.01% for VTI; over five years the annualized figures are -1.35% and +12.36% respectively. Across the full 16-year window we track, VTI has the edge at +12.19% annualized vs -3.69%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACP has been the more volatile fund, with annualized monthly volatility of 19.7% compared with 14.6% 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 -70.9% for ACP 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 0.67. They move together some of the time, and apart the rest.
Fees and Cost Over Time
ACP charges 2.86% per year while VTI charges 0.03%. On a $10,000 position that is $286 vs $3 annually, a gap of $283 per year that compounds over a long holding period. On income, ACP currently yields 17.42% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 81 holdings in ACP and 3,463 in VTI, totalling 68.9% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 181 days apart, ACP as of Jan 31, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 81 positions we hold weights for in ACP and 3,463 in VTI, against full books of 214 and 3,543.
You are not choosing between two funds in isolation.
Whichever of ACP 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, ACP or VTI?
ACP has an expense ratio of 2.86% while VTI charges 0.03%. VTI is the cheaper option, by $283 a year on a $10,000 investment.
Which performed better, ACP or VTI?
Over the past year ACP returned -6.66% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), ACP annualized -3.69% vs +12.19% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ACP or VTI?
ACP has been the more volatile fund at 19.7% annualized versus 14.6% for VTI. Worst drawdown: ACP -70.9% vs VTI -35.0%.
Should I hold both ACP and VTI?
ACP and VTI have a monthly-return correlation of 0.67, 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, ACP or VTI?
ACP yields 17.42% while VTI yields 1.03%, so ACP currently pays the higher dividend yield.
Is VTI better than ACP?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.