CRAK vs VTI
VanEck Oil Refiners ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CRAK delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CRAK | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.61% | 0.03% | |
| AUM | $183M | $666.9B | |
| Dividend Yield | 1.41% | 1.07% | |
| Holdings | 36 | 3,543 | |
| YTD Return | +60.84% | +13.14% | |
| 1Y Return | +80.47% | +22.35% | |
| 3Y Return (annualized) | +24.46% | +21.83% | |
| 5Y Return (annualized) | +20.47% | +12.01% | |
| Volatility (annualized) | 23.9% | 15.3% | |
| Max Drawdown | -58.8% | -56.6% | |
| Fund Family | VanEck | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 18, 2015 | May 24, 2001 |
CRAK vs VTI Performance
VanEck Oil Refiners ETF (CRAK) is a ETF from VanEck and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CRAK returned +80.47% while VTI returned +22.35%. Year to date, CRAK is up 60.84% versus a gain of 13.14% for VTI.
Over three years, CRAK compounded at +24.46% per year against +21.83% for VTI; over five years the annualized figures are +20.47% and +12.01% respectively. Across the full 11-year window we track, CRAK has the edge at +13.16% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CRAK has been the more volatile fund, with annualized monthly volatility of 23.9% 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 -58.8% for CRAK 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRAK charges 0.61% per year while VTI charges 0.03%. On a $10,000 position that is $61 vs $3 annually, a gap of $58 per year that compounds over a long holding period. On income, CRAK currently yields 1.41% against 1.07% for VTI.
Holdings Overlap
CRAK and VTI share 5 holdings out of 2807 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRAK or VTI?
CRAK has an expense ratio of 0.61% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $58 per year of difference.
Which performed better, CRAK or VTI?
Over the past year CRAK returned +80.47% vs +22.35% for VTI, so CRAK leads on 1-year performance. Over the longest common window we track (11 years), CRAK annualized +13.16% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CRAK or VTI?
CRAK has been the more volatile fund at 23.9% annualized versus 15.3% for VTI. Worst drawdown: CRAK -58.8% vs VTI -56.6%.
Should I hold both CRAK and VTI?
CRAK and VTI have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRAK and VTI?
CRAK and VTI share 5 common holdings with a 0.3% weight overlap. Combined, they hold 2807 unique securities.
Which pays a higher dividend, CRAK or VTI?
CRAK yields 1.41% while VTI yields 1.07%, so CRAK currently pays the higher dividend yield.
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