CRBN vs VTI
iShares Low Carbon Optimized MSCI ACWI 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 | CRBN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $1.2B | $666.9B | |
| Dividend Yield | 2.04% | 1.07% | |
| Holdings | 1,123 | 3,543 | |
| YTD Return | +12.35% | +13.14% | |
| 1Y Return | +21.86% | +22.35% | |
| 3Y Return (annualized) | +21.59% | +21.83% | |
| 5Y Return (annualized) | +11.03% | +12.01% | |
| Volatility (annualized) | 3659.8% | 15.3% | |
| Max Drawdown | -33.1% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 8, 2014 | May 24, 2001 |
CRBN vs VTI Performance
iShares Low Carbon Optimized MSCI ACWI ETF (CRBN) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CRBN returned +21.86% while VTI returned +22.35%. Year to date, CRBN is up 12.35% versus a gain of 13.14% for VTI.
Over three years, CRBN compounded at +21.59% per year against +21.83% for VTI; over five years the annualized figures are +11.03% and +12.01% respectively. Across the full 13-year window we track, CRBN has the edge at +57.98% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CRBN has been the more volatile fund, with annualized monthly volatility of 3659.8% 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 -33.1% for CRBN 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 -0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRBN charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, CRBN currently yields 2.04% against 1.07% for VTI.
Holdings Overlap
CRBN and VTI share 323 holdings out of 3440 unique holdings combined, representing a 55.3% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, CRBN or VTI?
CRBN has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, CRBN or VTI?
Over the past year CRBN returned +21.86% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (13 years), CRBN annualized +57.98% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CRBN or VTI?
CRBN has been the more volatile fund at 3659.8% annualized versus 15.3% for VTI. Worst drawdown: CRBN -33.1% vs VTI -56.6%.
Should I hold both CRBN and VTI?
CRBN and VTI have a monthly-return correlation of -0.03, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRBN and VTI?
CRBN and VTI share 323 common holdings with a 55.3% weight overlap. Combined, they hold 3440 unique securities.
Which pays a higher dividend, CRBN or VTI?
CRBN yields 2.04% while VTI yields 1.07%, so CRBN currently pays the higher dividend yield.
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