CDC vs VTI
VictoryShares US EQ Income Enhanced Volatility Wtd 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 | CDC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $744M | $663.5B | |
| Dividend Yield | 3.08% | 1.07% | |
| Holdings | 102 | 3,543 | |
| YTD Return | +17.24% | +14.20% | |
| 1Y Return | +21.93% | +24.16% | |
| 3Y Return (annualized) | +14.08% | +21.12% | |
| 5Y Return (annualized) | +6.70% | +12.37% | |
| Volatility (annualized) | 12.4% | 15.3% | |
| Max Drawdown | -21.4% | -56.6% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 1, 2014 | May 24, 2001 |
CDC vs VTI Performance
VictoryShares US EQ Income Enhanced Volatility Wtd ETF (CDC) is a ETF from Victory Capital Management Inc. and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CDC returned +21.93% while VTI returned +24.16%. Year to date, CDC is up 17.24% versus a gain of 14.20% for VTI.
Over three years, CDC compounded at +14.08% per year against +21.12% for VTI; over five years the annualized figures are +6.70% and +12.37% respectively. Across the full 12-year window we track, CDC has the edge at +8.39% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.4% for CDC. 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 -21.4% for CDC 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
CDC charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, CDC currently yields 3.08% against 1.07% for VTI.
Holdings Overlap
CDC and VTI share 92 holdings out of 2791 unique holdings combined, representing a 11.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CDC or VTI?
CDC has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, CDC or VTI?
Over the past year CDC returned +21.93% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (12 years), CDC annualized +8.39% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, CDC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.4% for CDC. Worst drawdown: CDC -21.4% vs VTI -56.6%.
Should I hold both CDC and VTI?
CDC 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 CDC and VTI?
CDC and VTI share 92 common holdings with a 11.6% weight overlap. Combined, they hold 2791 unique securities.
Which pays a higher dividend, CDC or VTI?
CDC yields 3.08% while VTI yields 1.07%, so CDC currently pays the higher dividend yield.
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