CCIF vs VTI
Carlyle Credit Income Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, CCIF or VTI?
VTI has been ahead.
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 | CCIF | VTI |
|---|---|---|
| Expense Ratio | 13.82% | 0.03%Best |
| AUM | $57M | $666.9B |
| Dividend Yield | 36.80% | 1.03% |
| Holdings | 45 | 3,543 |
| YTD Return | -39.02% | +14.00%Best |
| 1Y Return | -45.86% | +16.88%Best |
| 3Y Return (annualized) | -19.78% | +22.75%Best |
| 5Y Return (annualized) | -11.37% | +12.68%Best |
| Volatility (annualized) | 18.1% | 14.5%Best |
| Max Drawdown | -57.4% | -35.0%Best |
| $10,000 over 5 years | $5,469 | $18,165Best |
| Fund Family | Carlyle Credit Income Fund | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Dec 30, 2011 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Aug 17, 2012 to Sep 21, 2026 (14.1 years).
CCIF 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 14.1 years both funds cover.
CCIF vs VTI Performance
Carlyle Credit Income Fund (CCIF) is an ETF from Carlyle Credit Income Fund and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CCIF returned -45.86% while VTI returned +16.88%. Year to date, CCIF is down 39.02% versus a gain of 14.00% for VTI.
Over three years, CCIF compounded at -19.78% per year against +22.75% for VTI; over five years the annualized figures are -11.37% and +12.68% respectively. Across the full 14-year window we track, VTI has the edge at +13.09% annualized vs -3.61%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CCIF has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 14.5% 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 -57.4% for CCIF 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 0.37. They move together some of the time, and apart the rest.
Fees and Cost Over Time
CCIF charges 13.82% per year while VTI charges 0.03%. On a $10,000 position that is $1382 vs $3 annually, a gap of $1379 per year that compounds over a long holding period. On income, CCIF currently yields 36.80% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of CCIF 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, CCIF or VTI?
CCIF has an expense ratio of 13.82% while VTI charges 0.03%. VTI is the cheaper option, by $1379 a year on a $10,000 investment.
Which performed better, CCIF or VTI?
Over the past year CCIF returned -45.86% vs +16.88% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (14 years), CCIF annualized -3.61% vs +13.09% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CCIF or VTI?
CCIF has been the more volatile fund at 18.1% annualized versus 14.5% for VTI. Worst drawdown: CCIF -57.4% vs VTI -35.0%.
Should I hold both CCIF and VTI?
CCIF 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, CCIF or VTI?
CCIF yields 36.80% while VTI yields 1.03%, so CCIF currently pays the higher dividend yield.
Is VTI better than CCIF?
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.