CDIG vs VTI
City Different Investments Global Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CDIG or VTI?
VTI has been ahead.
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 67.9%.
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 | CDIG | VTI |
|---|---|---|
| Expense Ratio | 0.75% | 0.03%Best |
| AUM | $54M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 26 | 3,543 |
| YTD Return | +2.74% | +14.05%Best |
| 1Y Return | +1.47% | +16.93%Best |
| 3Y Return (annualized) | - | +22.65% |
| 5Y Return (annualized) | - | +12.46% |
| Volatility (annualized) | 13.9% | 12.9%Best |
| Max Drawdown | -11.3% | -8.9%Best |
| $10,000 over 1 years | $10,320 | $11,837Best |
| Top 10 Weight | 67.9% | 33.3%Best |
| Fund Family | City Different Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Sep 16, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Sep 17, 2025 to Sep 22, 2026 (1 years).
CDIG 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 1 years both funds cover.
CDIG vs VTI Performance
City Different Investments Global Equity ETF (CDIG) is an ETF from City Different Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CDIG returned +1.47% while VTI returned +16.93%. Year to date, CDIG is up 2.74% versus a gain of 14.05% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CDIG has been the more volatile fund, with annualized monthly volatility of 13.9% compared with 12.9% 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 -11.3% for CDIG and -8.9% 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CDIG charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, CDIG currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
60.3% of CDIG's money is in holdings VTI also owns. 6.4% of VTI's money is in holdings CDIG also owns.
The two portfolios partly overlap.
17 positions in common, counted across the 27 positions we hold weights for in CDIG and 3,463 in VTI, against full books of 26 and 3,543.
What only one of them owns
Our book lists 1,138 positions for VTI that do not appear in our book for CDIG (91.0% of the fund), and 4 for CDIG that do not appear in VTI (20.9%).
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
| Stock | Weight in CDIG | Weight in VTI | Difference |
|---|---|---|---|
| TLNTalen Energy Corp Common Stock USD.001 | 10.18% | 0.02% | 10.16% |
| TDWTidewater Inc | 8.65% | 0.00% | 8.65% |
| AMZNAmazon.Com Inc | 4.62% | 3.65% | 0.97% |
| CVNACarvana Co | 8.19% | 0.06% | 8.13% |
| SDRL:BMSeadrill Ltd Common Shares | 6.72% | 0.00% | 6.72% |
| UBERUber Technologies Inc | 3.55% | 0.20% | 3.35% |
| TPXTempur Sealy International Inc | 3.33% | 0.02% | 3.31% |
| METAMeta Platforms Inc | 1.45% | 1.70% | 0.25% |
| EXPEExpedia Group Inc (consumer Discretionary) | 2.94% | 0.05% | 2.89% |
| COFCapital One Financial Corp. | 2.01% | 0.18% | 1.83% |
60.3% of CDIG 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.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CDIG or VTI?
CDIG has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option, by $72 a year on a $10,000 investment.
Which performed better, CDIG or VTI?
Over the past year CDIG returned +1.47% vs +16.93% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), CDIG annualized +3.20% vs +18.37% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CDIG or VTI?
CDIG has been the more volatile fund at 13.9% annualized versus 12.9% for VTI. Worst drawdown: CDIG -11.3% vs VTI -8.9%.
Should I hold both CDIG and VTI?
CDIG and VTI have a monthly-return correlation of 0.70, 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 CDIG and VTI?
60.3% of CDIG's money is in holdings VTI also owns. 6.4% of VTI's is in holdings CDIG also owns. They hold 17 positions in common, counted across the 27 positions we hold weights for in CDIG and 3,463 in VTI.
Which pays a higher dividend, CDIG or VTI?
CDIG yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than CDIG?
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 67.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.