CPII vs VTI
American Beacon Ionic Inflation Protection 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 | CPII | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.70% | 0.03% | |
| AUM | $12M | $666.9B | |
| Dividend Yield | 4.63% | 1.07% | |
| Holdings | 16 | 3,543 | |
| YTD Return | +1.13% | +13.14% | |
| 1Y Return | +2.04% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 5.0% | 15.3% | |
| Max Drawdown | -6.4% | -56.6% | |
| Fund Family | American Beacon Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 28, 2022 | May 24, 2001 |
CPII vs VTI Performance
American Beacon Ionic Inflation Protection ETF (CPII) is a ETF from American Beacon Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CPII returned +2.04% while VTI returned +22.35%. Year to date, CPII is up 1.13% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.0% for CPII. 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 -6.4% for CPII 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 -0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPII charges 0.70% per year while VTI charges 0.03%. On a $10,000 position that is $70 vs $3 annually, a gap of $67 per year that compounds over a long holding period. On income, CPII currently yields 4.63% against 1.07% for VTI.
Holdings Overlap
CPII and VTI share 0 holdings out of 2795 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, CPII or VTI?
CPII has an expense ratio of 0.70% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $67 per year of difference.
Which performed better, CPII or VTI?
Over the past year CPII returned +2.04% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CPII annualized +3.69% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CPII or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.0% for CPII. Worst drawdown: CPII -6.4% vs VTI -56.6%.
Should I hold both CPII and VTI?
CPII and VTI have a monthly-return correlation of -0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPII and VTI?
CPII and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, CPII or VTI?
CPII yields 4.63% while VTI yields 1.07%, so CPII currently pays the higher dividend yield.
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