CPAG vs VTI
F/m Compoundr US Aggregate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CPAG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.31% | 0.03% | |
| AUM | $145M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 2 | 3,543 | |
| YTD Return | -0.47% | +12.65% | |
| 1Y Return | +1.61% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 3.1% | 15.3% | |
| Max Drawdown | -2.8% | -56.6% | |
| Fund Family | F-m investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 12, 2025 | May 24, 2001 |
CPAG vs VTI Performance
F/m Compoundr US Aggregate Bond ETF (CPAG) is a ETF from F-m investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CPAG returned +1.61% while VTI returned +21.39%. Year to date, CPAG is down 0.47% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.1% for CPAG. 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 -2.8% for CPAG 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPAG charges 0.31% per year while VTI charges 0.03%. On a $10,000 position that is $31 vs $3 annually, a gap of $28 per year that compounds over a long holding period. On income, CPAG currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
CPAG and VTI share 0 holdings out of 2788 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CPAG or VTI?
CPAG has an expense ratio of 0.31% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, CPAG or VTI?
Over the past year CPAG returned +1.61% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), CPAG annualized +1.65% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, CPAG or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.1% for CPAG. Worst drawdown: CPAG -2.8% vs VTI -56.6%.
Should I hold both CPAG and VTI?
CPAG and VTI have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPAG and VTI?
CPAG and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, CPAG or VTI?
CPAG yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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