CNAV vs VTI
Mohr Company Nav ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CNAV or VTI?
Tactical Allocation against Large Cap Blend.
VTI has a lower expense ratio. CNAV led over 1Y and the full window. VTI is less concentrated, with 34.6% of the fund in its ten largest positions against 39.0%.
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 | CNAV | VTI |
|---|---|---|
| Expense Ratio | 1.31% | 0.03%Best |
| AUM | $48M | $689.2B |
| Dividend Yield | 0.00% | 1.06% |
| Holdings | 60 | 3,542 |
| YTD Return | +16.07%Best | +11.74% |
| 1Y Return | +17.36%Best | +12.21% |
| 3Y Return (annualized) | - | +21.24% |
| 5Y Return (annualized) | - | +10.57% |
| Volatility (annualized) | 32.2% | 12.7%Best |
| Max Drawdown | -30.1% | -19.3%Best |
| $10,000 over 2.1 years | $14,552Best | $13,573 |
| Top 10 Weight | 39.0% | 34.6%Best |
| Fund Family | Mohr Funds | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Blend |
| Inception | Oct 1, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2.1 years row, are measured over the window both funds cover: Oct 1, 2024 to Nov 12, 2026 (2.1 years).
CNAV 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 2.1 years both funds cover.
CNAV vs VTI Performance
Mohr Company Nav ETF (CNAV) is an ETF from Mohr Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CNAV returned +17.36% while VTI returned +12.21%. Year to date, CNAV is up 16.07% versus a gain of 11.74% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CNAV has been the more volatile fund, with annualized monthly volatility of 32.2% compared with 12.7% 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 -30.1% for CNAV 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CNAV charges 1.31% per year while VTI charges 0.03%. On a $10,000 position that is $131 vs $3 annually, a gap of $128 per year that compounds over a long holding period. On income, CNAV currently yields 0.00% against 1.06% for VTI.
Holdings Overlap
91.6% of CNAV's money is in holdings VTI also owns. 10.1% of VTI's money is in holdings CNAV also owns.
Most of CNAV is already inside VTI. Owning both mostly buys the same companies twice.
27 positions in common, counted across the 30 positions we hold weights for in CNAV and 3,464 in VTI, against full books of 60 and 3,542.
What only one of them owns
Our book lists 1,102 positions for VTI that do not appear in our book for CNAV (86.8% of the fund), and 0 for CNAV that do not appear in VTI (0.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in CNAV | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple Inc | 3.45% | 6.63% | 3.18% |
| CRWDCrowdstrike Holdings Inc | 4.37% | 0.35% | 4.02% |
| WDCWestern Digital Corp. | 4.23% | 0.21% | 4.02% |
| DELLDell Technologies Inc | 4.02% | 0.21% | 3.81% |
| NTAPNetapp Inc. | 4.06% | 0.06% | 4.00% |
| DINOHollyfrontier | 4.03% | 0.02% | 4.01% |
| PSTGPure Storage Inc | 3.96% | 0.06% | 3.90% |
| PANWPalo Alto Networks Inc. | 3.47% | 0.44% | 3.03% |
| OKTAOkta Inc. | 3.85% | 0.05% | 3.80% |
| AMGNAmgen Inc. | 3.28% | 0.31% | 2.97% |
91.6% of CNAV is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CNAV or VTI?
CNAV has an expense ratio of 1.31% while VTI charges 0.03%. VTI is the cheaper option, by $128 a year on a $10,000 investment.
Which performed better, CNAV or VTI?
Over the past year CNAV returned +17.36% vs +12.21% for VTI, so CNAV leads on 1-year performance. Over the longest common window we track (2 years), CNAV annualized +19.56% vs +15.66% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CNAV or VTI?
CNAV has been the more volatile fund at 32.2% annualized versus 12.7% for VTI. Worst drawdown: CNAV -30.1% vs VTI -19.3%.
Should I hold both CNAV and VTI?
CNAV and VTI have a monthly-return correlation of 0.78, 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 CNAV and VTI?
91.6% of CNAV's money is in holdings VTI also owns. 10.1% of VTI's is in holdings CNAV also owns. They hold 27 positions in common, counted across the 30 positions we hold weights for in CNAV and 3,464 in VTI.
Which pays a higher dividend, CNAV or VTI?
CNAV yields 0.00% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than CNAV?
VTI has a lower expense ratio. CNAV led over 1Y and the full window. VTI is less concentrated, with 34.6% of the fund in its ten largest positions against 39.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.