CGMM vs VTI
Capital Group US Small and Mid Cap ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CGMM | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.51% | 0.03% | |
| AUM | $3.5B | $666.9B | |
| Dividend Yield | 0.38% | 1.07% | |
| Holdings | 236 | 3,543 | |
| YTD Return | +13.38% | +13.14% | |
| 1Y Return | +20.68% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 14.3% | 15.3% | |
| Max Drawdown | -21.0% | -56.6% | |
| Fund Family | Capital Group (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 14, 2025 | May 24, 2001 |
CGMM vs VTI Performance
Capital Group US Small and Mid Cap ETF (CGMM) is a ETF from Capital Group (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CGMM returned +20.68% while VTI returned +22.35%. Year to date, CGMM is up 13.38% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.3% for CGMM. 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 -21.0% for CGMM 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CGMM charges 0.51% per year while VTI charges 0.03%. On a $10,000 position that is $51 vs $3 annually, a gap of $48 per year that compounds over a long holding period. On income, CGMM currently yields 0.38% against 1.07% for VTI.
Holdings Overlap
CGMM and VTI share 101 holdings out of 2802 unique holdings combined, representing a 4.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CGMM or VTI?
CGMM has an expense ratio of 0.51% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $48 per year of difference.
Which performed better, CGMM or VTI?
Over the past year CGMM returned +20.68% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), CGMM annualized +16.78% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CGMM or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.3% for CGMM. Worst drawdown: CGMM -21.0% vs VTI -56.6%.
Should I hold both CGMM and VTI?
CGMM and VTI have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGMM and VTI?
CGMM and VTI share 101 common holdings with a 4.5% weight overlap. Combined, they hold 2802 unique securities.
Which pays a higher dividend, CGMM or VTI?
CGMM yields 0.38% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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