CGIC vs VTI
Capital Group International Core Equity ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CGIC delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | CGIC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.54% | 0.03% | |
| AUM | $2.2B | $663.5B | |
| Dividend Yield | 1.67% | 1.07% | |
| Holdings | 202 | 3,543 | |
| YTD Return | +12.59% | +14.22% | |
| 1Y Return | +25.81% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 11.2% | 15.3% | |
| Max Drawdown | -13.1% | -56.6% | |
| Fund Family | Capital Group (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 25, 2024 | May 24, 2001 |
CGIC vs VTI Performance
Capital Group International Core Equity ETF (CGIC) is a ETF from Capital Group (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CGIC returned +25.81% while VTI returned +22.19%. Year to date, CGIC is up 12.59% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.2% for CGIC. 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 -13.1% for CGIC 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGIC charges 0.54% per year while VTI charges 0.03%. On a $10,000 position that is $54 vs $3 annually, a gap of $51 per year that compounds over a long holding period. On income, CGIC currently yields 1.67% against 1.07% for VTI.
Holdings Overlap
CGIC and VTI share 4 holdings out of 2972 unique holdings combined, representing a 1.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CGIC or VTI?
CGIC has an expense ratio of 0.54% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $51 per year of difference.
Which performed better, CGIC or VTI?
Over the past year CGIC returned +25.81% vs +22.19% for VTI, so CGIC leads on 1-year performance. Over the longest common window we track (2 years), CGIC annualized +22.30% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, CGIC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.2% for CGIC. Worst drawdown: CGIC -13.1% vs VTI -56.6%.
Should I hold both CGIC and VTI?
CGIC and VTI have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGIC and VTI?
CGIC and VTI share 4 common holdings with a 1.4% weight overlap. Combined, they hold 2972 unique securities.
Which pays a higher dividend, CGIC or VTI?
CGIC yields 1.67% while VTI yields 1.07%, so CGIC currently pays the higher dividend yield.
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