CLIP vs VTI
Global X 1-3 Month T-Bill ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CLIP or VTI?
Short Term High Quality against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and 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 | CLIP | VTI |
|---|---|---|
| Expense Ratio | 0.07% | 0.03%Best |
| AUM | $2.4B | $666.9B |
| Dividend Yield | 3.80% | 1.03% |
| Holdings | 27 | 3,543 |
| YTD Return | +2.57% | +12.30%Best |
| 1Y Return | +3.76% | +16.08%Best |
| 3Y Return (annualized) | +4.29% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 0.4%Best | 13.1% |
| Max Drawdown | -0.3%Best | -19.3% |
| $10,000 over 3.2 years | $11,467 | $17,922Best |
| Fund Family | Global X by mirae Asset | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Short Term High Quality | Large Cap Blend |
| Inception | Jun 20, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jun 21, 2023 to Sep 18, 2026 (3.2 years).
CLIP vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.2 years both funds cover.
CLIP vs VTI Performance
Global X 1-3 Month T-Bill ETF (CLIP) is an ETF from Global X by mirae Asset and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CLIP returned +3.76% while VTI returned +16.08%. Year to date, CLIP is up 2.57% versus a gain of 12.30% for VTI.
Over three years, CLIP compounded at +4.29% per year against +21.01% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.1% compared with 0.4% for CLIP. 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 -0.3% for CLIP and -19.3% 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 0.29. They move largely independently of each other.
Fees and Cost Over Time
CLIP charges 0.07% per year while VTI charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, CLIP currently yields 3.80% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of CLIP 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, CLIP or VTI?
CLIP has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, CLIP or VTI?
Over the past year CLIP returned +3.76% vs +16.08% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CLIP or VTI?
VTI has been the more volatile fund at 13.1% annualized versus 0.4% for CLIP. Worst drawdown: CLIP -0.3% vs VTI -19.3%.
Should I hold both CLIP and VTI?
CLIP and VTI have a monthly-return correlation of 0.29, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, CLIP or VTI?
CLIP yields 3.80% while VTI yields 1.03%, so CLIP currently pays the higher dividend yield.
Is VTI better than CLIP?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.