CBLS vs VTI

CBLS vs VTI

Which is better, CBLS or VTI?

All Cap Blend against Large Cap Blend.

VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 35.4%.

Lower Fees: VTIHigher Returns: VTILess Concentrated: VTI

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

MetricCBLSVTI
Expense Ratio1.89%0.03%Best
AUM$56M$666.9B
Dividend Yield0.81%1.03%
Holdings733,543
Volatility (annualized)17.2%16.1%Best
Max Drawdown-32.8%-25.4%Best
$10,000 over 4.2 years$13,962$17,179Best
Top 10 Weight35.4%33.3%Best
Fund FamilyChangebridge CapitalVanguard (US)
CategoryEquityEquity
StyleAll Cap BlendLarge Cap Blend
InceptionNov 13, 2020May 24, 2001

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).

The two price series end 619 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. CBLS has data through Jan 17, 2025 and VTI through Sep 28, 2026.

Volatility and max drawdown, and the $10,000 over 4.2 years row, are measured over the window both funds cover: Nov 13, 2020 to Jan 17, 2025 (4.2 years).

Risk: Volatility and Drawdowns

CBLS has been the more volatile fund, with annualized monthly volatility of 17.2% compared with 16.1% 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 -32.8% for CBLS 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 0.56. They move together some of the time, and apart the rest.

Fees and Cost Over Time

CBLS charges 1.89% per year while VTI charges 0.03%. On a $10,000 position that is $189 vs $3 annually, a gap of $186 per year that compounds over a long holding period. On income, CBLS currently yields 0.81% against 1.03% for VTI.

Holdings Overlap

CBLS already in VTI68.6%
VTI already in CBLS11.6%

68.6% of CBLS's money is in holdings VTI also owns. 11.6% of VTI's money is in holdings CBLS also owns.

The two portfolios partly overlap.

56 positions in common, counted across the 70 positions we hold weights for in CBLS and 3,463 in VTI, against full books of 73 and 3,543.

What only one of them owns

Our book lists 1,101 positions for VTI that do not appear in our book for CBLS (85.9% of the fund), and 6 for CBLS that do not appear in VTI (18.2%).

Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.

Top Shared Holdings

StockWeight in CBLSWeight in VTIDifference
AVGOBroadcom Inc2.33%2.56%0.23%
GOOGAlphabet Inc2.42%2.31%0.11%
METAMeta Platforms Inc2.35%1.70%0.65%
FCXFreeport-mcmoran Copper & Gold Inc.3.55%0.12%3.43%
MRVLMarvell Technology Group Ltd.2.99%0.23%2.76%
APAApa Corp3.04%0.02%3.02%
SBUXStarbucks Corp2.85%0.17%2.68%
VGVenture Global Inc3.00%0.00%3.00%
UNHUnitedhealth Group Incorporated2.43%0.52%1.91%
DVNDevon Energy Corporation2.86%0.07%2.79%

68.6% of CBLS is already inside VTI.

You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.

CBLSVTI

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, CBLS or VTI?

CBLS has an expense ratio of 1.89% while VTI charges 0.03%. VTI is the cheaper option, by $186 a year on a $10,000 investment.

Which is riskier, CBLS or VTI?

CBLS has been the more volatile fund at 17.2% annualized versus 16.1% for VTI. Worst drawdown: CBLS -32.8% vs VTI -25.4%.

Should I hold both CBLS and VTI?

CBLS and VTI have a monthly-return correlation of 0.56, 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 CBLS and VTI?

68.6% of CBLS's money is in holdings VTI also owns. 11.6% of VTI's is in holdings CBLS also owns. They hold 56 positions in common, counted across the 70 positions we hold weights for in CBLS and 3,463 in VTI.

Which pays a higher dividend, CBLS or VTI?

CBLS yields 0.81% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.

Is VTI better than CBLS?

VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 35.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.