CPAI vs VTI
Counterpoint Quantitative Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CPAI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CPAI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.03% | |
| AUM | $437M | $666.9B | |
| Dividend Yield | 0.71% | 1.07% | |
| Holdings | 52 | 3,543 | |
| YTD Return | +29.28% | +13.14% | |
| 1Y Return | +44.98% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 17.0% | 15.3% | |
| Max Drawdown | -21.5% | -56.6% | |
| Fund Family | Counterpoint Mutual Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 28, 2023 | May 24, 2001 |
CPAI vs VTI Performance
Counterpoint Quantitative Equity ETF (CPAI) is a ETF from Counterpoint Mutual Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CPAI returned +44.98% while VTI returned +22.35%. Year to date, CPAI is up 29.28% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
CPAI has been the more volatile fund, with annualized monthly volatility of 17.0% compared with 15.3% 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 -21.5% for CPAI 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CPAI charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, CPAI currently yields 0.71% against 1.07% for VTI.
Holdings Overlap
CPAI and VTI share 40 holdings out of 2797 unique holdings combined, representing a 7.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CPAI or VTI?
CPAI has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, CPAI or VTI?
Over the past year CPAI returned +44.98% vs +22.35% for VTI, so CPAI leads on 1-year performance. Over the longest common window we track (3 years), CPAI annualized +31.45% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CPAI or VTI?
CPAI has been the more volatile fund at 17.0% annualized versus 15.3% for VTI. Worst drawdown: CPAI -21.5% vs VTI -56.6%.
Should I hold both CPAI and VTI?
CPAI and VTI have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPAI and VTI?
CPAI and VTI share 40 common holdings with a 7.8% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, CPAI or VTI?
CPAI yields 0.71% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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