CHAT vs VTI
Roundhill Generative AI & Technology ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CHAT delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | CHAT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.03% | |
| AUM | $1.7B | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 45 | 3,543 | |
| YTD Return | +45.52% | +14.16% | |
| 1Y Return | +67.75% | +23.62% | |
| 3Y Return (annualized) | +47.98% | +21.43% | |
| 5Y Return (annualized) | - | +12.33% | |
| Volatility (annualized) | 31.6% | 15.3% | |
| Max Drawdown | -31.3% | -56.6% | |
| Fund Family | Roundhill Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 18, 2023 | May 24, 2001 |
CHAT vs VTI Performance
Roundhill Generative AI & Technology ETF (CHAT) is a ETF from Roundhill Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CHAT returned +67.75% while VTI returned +23.62%. Year to date, CHAT is up 45.52% versus a gain of 14.16% for VTI.
Over three years, CHAT compounded at +47.98% per year against +21.43% for VTI. Across the full 3-year window we track, CHAT has the edge at +47.21% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CHAT has been the more volatile fund, with annualized monthly volatility of 31.6% compared with 15.3% 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 -31.3% for CHAT 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CHAT 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, CHAT currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
CHAT and VTI share 22 holdings out of 2806 unique holdings combined, representing a 24.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CHAT or VTI?
CHAT has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, CHAT or VTI?
Over the past year CHAT returned +67.75% vs +23.62% for VTI, so CHAT leads on 1-year performance. Over the longest common window we track (3 years), CHAT annualized +47.21% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, CHAT or VTI?
CHAT has been the more volatile fund at 31.6% annualized versus 15.3% for VTI. Worst drawdown: CHAT -31.3% vs VTI -56.6%.
Should I hold both CHAT and VTI?
CHAT and VTI have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CHAT and VTI?
CHAT and VTI share 22 common holdings with a 24.2% weight overlap. Combined, they hold 2806 unique securities.
Which pays a higher dividend, CHAT or VTI?
CHAT yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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