CAFG vs VTI
Pacer US Small Cap Cash Cows Growth Leaders ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CAFG delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CAFG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.59% | 0.03% | |
| AUM | $48M | $666.9B | |
| Dividend Yield | 0.30% | 1.07% | |
| Holdings | 102 | 3,543 | |
| YTD Return | +30.73% | +12.65% | |
| 1Y Return | +32.65% | +21.39% | |
| 3Y Return (annualized) | +16.14% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 18.1% | 15.3% | |
| Max Drawdown | -23.7% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 1, 2023 | May 24, 2001 |
CAFG vs VTI Performance
Pacer US Small Cap Cash Cows Growth Leaders ETF (CAFG) is a ETF from Pacer ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CAFG returned +32.65% while VTI returned +21.39%. Year to date, CAFG is up 30.73% versus a gain of 12.65% for VTI.
Over three years, CAFG compounded at +16.14% per year against +21.54% for VTI. Across the full 3-year window we track, CAFG has the edge at +17.51% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CAFG has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 15.3% 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 -23.7% for CAFG and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CAFG charges 0.59% per year while VTI charges 0.03%. On a $10,000 position that is $59 vs $3 annually, a gap of $56 per year that compounds over a long holding period. On income, CAFG currently yields 0.30% against 1.07% for VTI.
Holdings Overlap
CAFG and VTI share 71 holdings out of 2817 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CAFG or VTI?
CAFG has an expense ratio of 0.59% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $56 per year of difference.
Which performed better, CAFG or VTI?
Over the past year CAFG returned +32.65% vs +21.39% for VTI, so CAFG leads on 1-year performance. Over the longest common window we track (3 years), CAFG annualized +17.51% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, CAFG or VTI?
CAFG has been the more volatile fund at 18.1% annualized versus 15.3% for VTI. Worst drawdown: CAFG -23.7% vs VTI -56.6%.
Should I hold both CAFG and VTI?
CAFG and VTI have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CAFG and VTI?
CAFG and VTI share 71 common holdings with a 0.1% weight overlap. Combined, they hold 2817 unique securities.
Which pays a higher dividend, CAFG or VTI?
CAFG yields 0.30% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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