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.
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 | $49M | $666.9B |
| Dividend Yield | 0.00% | 1.07% |
| Holdings | 30 | 3,543 |
| YTD Return | +25.79%Best | +13.59% |
| 1Y Return | +35.42%Best | +20.00% |
| 3Y Return (annualized) | - | +20.95% |
| 5Y Return (annualized) | - | +11.81% |
| Volatility (annualized) | 32.3% | 13.1%Best |
| Max Drawdown | -30.1% | -19.3%Best |
| $10,000 over 1.9 years | $15,717Best | $13,768 |
| Fund Family | Mohr Funds | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Blend |
| Inception | Oct 1, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.9 years row, are measured over the window both funds cover: Oct 1, 2024 to Sep 4, 2026 (1.9 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 1.9 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 +35.42% while VTI returned +20.00%. Year to date, CNAV is up 25.79% versus a gain of 13.59% 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 32.3% compared with 13.1% 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 0.80. 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 1.07% for VTI.
Holdings Overlap
At least 90.0% of CNAV'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.
Most of CNAV is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 48 days apart, CNAV as of Aug 17, 2026 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.
30 positions in common, counted across the 32 positions we hold weights for in CNAV and 2,787 in VTI, against full books of 30 and 3,543.
Top Shared Holdings
| Stock | Weight in CNAV | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 2.93% | 5.84% | 2.91% |
| WDCWestern Digital Corp Company Guar 11/28 3 | 5.93% | 0.30% | 5.63% |
| AMDAdvanced Micro Devices Inc | 4.78% | 1.30% | 3.48% |
| MUMicron Technology, Inc. | 3.86% | 1.79% | 2.07% |
| SNDKSandisk Corp/De | 4.35% | 0.46% | 3.89% |
| DELLDell Technologies Inc | 4.35% | 0.17% | 4.18% |
| NTAPNetapp Inc | 3.98% | 0.04% | 3.94% |
| CRWDCrowdstrike Holdings Inc. Class A | 3.58% | 0.25% | 3.33% |
| ANETArista Networks Inc. | 3.56% | 0.25% | 3.31% |
| PANWPalo Alto Networks, Inc | 3.42% | 0.38% | 3.04% |
90.0% 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 +35.42% vs +20.00% for VTI, so CNAV leads on 1-year performance. Over the longest common window we track (2 years), CNAV annualized +26.87% vs +18.33% 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 32.3% annualized versus 13.1% 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 0.80, 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?
At least 90.0% of CNAV's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 30 positions in common, counted across the 32 positions we hold weights for in CNAV and 2,787 in VTI.
Which pays a higher dividend, CNAV or VTI?
CNAV yields 0.00% while VTI yields 1.07%, 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. Which one suits a particular account depends on what it is for. This is information, not a recommendation.