CDEI vs VTI
Calvert US Large-Cap Diversity, Equity and Inclusion Index ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CDEI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CDEI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.14% | 0.03% | |
| AUM | $19M | $666.9B | |
| Dividend Yield | 0.98% | 1.07% | |
| Holdings | 234 | 3,543 | |
| YTD Return | +14.27% | +12.74% | |
| 1Y Return | +23.86% | +20.66% | |
| 3Y Return (annualized) | +19.42% | +20.69% | |
| 5Y Return (annualized) | - | +11.52% | |
| Volatility (annualized) | 12.3% | 15.3% | |
| Max Drawdown | -19.5% | -56.6% | |
| Fund Family | Calvert | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 30, 2023 | May 24, 2001 |
CDEI vs VTI Performance
Calvert US Large-Cap Diversity, Equity and Inclusion Index ETF (CDEI) is a ETF from Calvert and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CDEI returned +23.86% while VTI returned +20.66%. Year to date, CDEI is up 14.27% versus a gain of 12.74% for VTI.
Over three years, CDEI compounded at +19.42% per year against +20.69% for VTI. Across the full 4-year window we track, CDEI has the edge at +19.65% annualized vs +8.06%. 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 12.3% for CDEI. 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 -19.5% for CDEI 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
CDEI charges 0.14% per year while VTI charges 0.03%. On a $10,000 position that is $14 vs $3 annually, a gap of $11 per year that compounds over a long holding period. On income, CDEI currently yields 0.98% against 1.07% for VTI.
Holdings Overlap
CDEI and VTI share 207 holdings out of 2813 unique holdings combined, representing a 43.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CDEI or VTI?
CDEI has an expense ratio of 0.14% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $11 per year of difference.
Which performed better, CDEI or VTI?
Over the past year CDEI returned +23.86% vs +20.66% for VTI, so CDEI leads on 1-year performance. Over the longest common window we track (4 years), CDEI annualized +19.65% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, CDEI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.3% for CDEI. Worst drawdown: CDEI -19.5% vs VTI -56.6%.
Should I hold both CDEI and VTI?
CDEI and VTI have a monthly-return correlation of 0.96, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between CDEI and VTI?
CDEI and VTI share 207 common holdings with a 43.5% weight overlap. Combined, they hold 2813 unique securities.
Which pays a higher dividend, CDEI or VTI?
CDEI yields 0.98% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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