CFIT vs VTI
Cambria Fixed Income Trend ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CFIT or VTI?
Intermediate Term Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y 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 | CFIT | VTI |
|---|---|---|
| Expense Ratio | 0.64% | 0.03%Best |
| AUM | $41M | $690.1B |
| Dividend Yield | 3.90% | 1.03% |
| Holdings | 14 | 3,524 |
| YTD Return | -0.16% | +13.35%Best |
| 1Y Return | +0.08% | +15.92%Best |
| 3Y Return (annualized) | - | +23.41% |
| 5Y Return (annualized) | - | +12.83% |
| Volatility (annualized) | 6.6%Best | 11.6% |
| Max Drawdown | -5.3%Best | -12.3% |
| $10,000 over 1.5 years | $10,388 | $14,019Best |
| Top 10 Weight | - | 33.3% |
| Fund Family | Cambria Investment Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Blend |
| Inception | Mar 28, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Mar 28, 2025 to Oct 2, 2026 (1.5 years).
CFIT 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 1.5 years both funds cover.
CFIT vs VTI Performance
Cambria Fixed Income Trend ETF (CFIT) is an ETF from Cambria Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CFIT returned +0.08% while VTI returned +15.92%. Year to date, CFIT is down 0.16% versus a gain of 13.35% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 11.6% compared with 6.6% for CFIT. 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 -5.3% for CFIT and -12.3% 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CFIT charges 0.64% per year while VTI charges 0.03%. On a $10,000 position that is $64 vs $3 annually, a gap of $61 per year that compounds over a long holding period. On income, CFIT currently yields 3.90% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 6 holdings in CFIT and 3,463 in VTI, totalling 100.0% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 6 positions we hold weights for in CFIT and 3,463 in VTI, against full books of 14 and 3,524.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for CFIT (97.5% of the fund), and 6 for CFIT that do not appear in VTI (100.0%).
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.
You are not choosing between two funds in isolation.
Whichever of CFIT 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, CFIT or VTI?
CFIT has an expense ratio of 0.64% while VTI charges 0.03%. VTI is the cheaper option, by $61 a year on a $10,000 investment.
Which performed better, CFIT or VTI?
Over the past year CFIT returned +0.08% vs +15.92% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), CFIT annualized +2.57% vs +25.26% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CFIT or VTI?
VTI has been the more volatile fund at 11.6% annualized versus 6.6% for CFIT. Worst drawdown: CFIT -5.3% vs VTI -12.3%.
Should I hold both CFIT and VTI?
CFIT and VTI have a monthly-return correlation of 0.80, 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, CFIT or VTI?
CFIT yields 3.90% while VTI yields 1.03%, so CFIT currently pays the higher dividend yield.
Is VTI better than CFIT?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.