CIL vs VTI
VictoryShares International Volatility Wtd ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CIL delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CIL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $31M | $666.9B | |
| Dividend Yield | 2.51% | 1.07% | |
| Holdings | 513 | 3,543 | |
| YTD Return | +4.54% | +13.67% | |
| 1Y Return | +34.71% | +22.17% | |
| 3Y Return (annualized) | +16.45% | +21.93% | |
| 5Y Return (annualized) | +9.56% | +12.51% | |
| Volatility (annualized) | 29.0% | 15.3% | |
| Max Drawdown | -46.1% | -56.6% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 20, 2015 | May 24, 2001 |
CIL vs VTI Performance
VictoryShares International Volatility Wtd ETF (CIL) is a ETF from Victory Capital Management Inc. and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CIL returned +34.71% while VTI returned +22.17%. Year to date, CIL is up 4.54% versus a gain of 13.67% for VTI.
Over three years, CIL compounded at +16.45% per year against +21.93% for VTI; over five years the annualized figures are +9.56% and +12.51% respectively. Across the full 11-year window we track, VTI has the edge at +8.11% annualized vs +7.68%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CIL has been the more volatile fund, with annualized monthly volatility of 29.0% 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 -46.1% for CIL 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CIL charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, CIL currently yields 2.51% against 1.07% for VTI.
Holdings Overlap
CIL and VTI share 3 holdings out of 3288 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CIL or VTI?
CIL has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, CIL or VTI?
Over the past year CIL returned +34.71% vs +22.17% for VTI, so CIL leads on 1-year performance. Over the longest common window we track (11 years), CIL annualized +7.68% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, CIL or VTI?
CIL has been the more volatile fund at 29.0% annualized versus 15.3% for VTI. Worst drawdown: CIL -46.1% vs VTI -56.6%.
Should I hold both CIL and VTI?
CIL and VTI have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CIL and VTI?
CIL and VTI share 3 common holdings with a 0.2% weight overlap. Combined, they hold 3288 unique securities.
Which pays a higher dividend, CIL or VTI?
CIL yields 2.51% while VTI yields 1.07%, so CIL currently pays the higher dividend yield.
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