CCSB vs VTI
Carbon Collective Short Duration Green Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | CCSB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.51% | 0.03% | |
| AUM | $27M | $663.5B | |
| Dividend Yield | 4.65% | 1.07% | |
| Holdings | 43 | 3,543 | |
| YTD Return | +0.48% | +13.87% | |
| 1Y Return | +1.55% | +23.31% | |
| 3Y Return (annualized) | +4.07% | +21.17% | |
| 5Y Return (annualized) | +0.76% | +12.23% | |
| Volatility (annualized) | 47.2% | 15.3% | |
| Max Drawdown | -63.5% | -56.6% | |
| Fund Family | Carbon Collective Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 11, 2024 | May 24, 2001 |
CCSB vs VTI Performance
Carbon Collective Short Duration Green Bond ETF (CCSB) is a ETF from Carbon Collective Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CCSB returned +1.55% while VTI returned +23.31%. Year to date, CCSB is up 0.48% versus a gain of 13.87% for VTI.
Over three years, CCSB compounded at +4.07% per year against +21.17% for VTI; over five years the annualized figures are +0.76% and +12.23% respectively. Across the full 19-year window we track, VTI has the edge at +8.13% annualized vs +4.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CCSB has been the more volatile fund, with annualized monthly volatility of 47.2% 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 -63.5% for CCSB 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CCSB charges 0.51% per year while VTI charges 0.03%. On a $10,000 position that is $51 vs $3 annually, a gap of $48 per year that compounds over a long holding period. On income, CCSB currently yields 4.65% against 1.07% for VTI.
Holdings Overlap
CCSB and VTI share 0 holdings out of 2820 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CCSB or VTI?
CCSB has an expense ratio of 0.51% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $48 per year of difference.
Which performed better, CCSB or VTI?
Over the past year CCSB returned +1.55% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (19 years), CCSB annualized +4.50% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, CCSB or VTI?
CCSB has been the more volatile fund at 47.2% annualized versus 15.3% for VTI. Worst drawdown: CCSB -63.5% vs VTI -56.6%.
Should I hold both CCSB and VTI?
CCSB and VTI have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CCSB and VTI?
CCSB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2820 unique securities.
Which pays a higher dividend, CCSB or VTI?
CCSB yields 4.65% while VTI yields 1.07%, so CCSB currently pays the higher dividend yield.
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