CIL vs VTI
VictoryShares International Volatility Wtd ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CIL or VTI?
Each has led over a different period.
VTI has a lower expense ratio. CIL led over 1Y, VTI over 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 | CIL | VTI |
|---|---|---|
| Expense Ratio | 0.45% | 0.03%Best |
| AUM | $31M | $666.9B |
| Dividend Yield | 2.51% | 1.07% |
| Holdings | 513 | 3,543 |
| Volatility (annualized) | 29.0% | 15.5%Best |
| Max Drawdown | -46.1% | -35.0%Best |
| $10,000 over 10.5 years | $21,748 | $34,636Best |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Aug 20, 2015 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 216 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. CIL has data through Feb 4, 2026 and VTI through Sep 8, 2026.
Volatility and max drawdown, and the $10,000 over 10.5 years row, are measured over the window both funds cover: Aug 20, 2015 to Feb 4, 2026 (10.5 years).
Risk: Volatility and Drawdowns
CIL has been the more volatile fund, with annualized monthly volatility of 29.0% compared with 15.5% 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 -35.0% 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 0.34. They move together some of the time, and apart the rest.
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
At least 1.0% of CIL's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
CIL and VTI share little of their money.
The two holdings books were reported 273 days apart, CIL as of Sep 30, 2025 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
5 positions in common, counted across the 503 positions we hold weights for in CIL and 2,788 in VTI, against full books of 513 and 3,543.
You are not choosing between two funds in isolation.
Whichever of CIL 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, CIL or VTI?
CIL has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option, by $42 a year on a $10,000 investment.
Which is riskier, CIL or VTI?
CIL has been the more volatile fund at 29.0% annualized versus 15.5% for VTI. Worst drawdown: CIL -46.1% vs VTI -35.0%.
Should I hold both CIL and VTI?
CIL and VTI have a monthly-return correlation of 0.34, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CIL and VTI?
At least 1.0% of CIL's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 5 positions in common, counted across the 503 positions we hold weights for in CIL and 2,788 in VTI.
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.
Is VTI better than CIL?
VTI has a lower expense ratio. CIL led over 1Y, VTI over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.