CRDT vs VTI
Simplify Opportunistic Income 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 | CRDT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.03% | |
| AUM | $36M | $666.9B | |
| Dividend Yield | 5.95% | 1.07% | |
| Holdings | 54 | 3,543 | |
| YTD Return | +5.07% | +13.67% | |
| 1Y Return | +4.61% | +22.17% | |
| 3Y Return (annualized) | +4.40% | +21.93% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 5.6% | 15.3% | |
| Max Drawdown | -9.8% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 26, 2023 | May 24, 2001 |
CRDT vs VTI Performance
Simplify Opportunistic Income ETF (CRDT) is a ETF from Simplify Exchange Traded Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CRDT returned +4.61% while VTI returned +22.17%. Year to date, CRDT is up 5.07% versus a gain of 13.67% for VTI.
Over three years, CRDT compounded at +4.40% per year against +21.93% for VTI. Across the full 3-year window we track, VTI has the edge at +8.11% annualized vs +4.73%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.6% for CRDT. 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 -9.8% for CRDT 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
CRDT charges 0.99% per year while VTI charges 0.03%. On a $10,000 position that is $99 vs $3 annually, a gap of $96 per year that compounds over a long holding period. On income, CRDT currently yields 5.95% against 1.07% for VTI.
Holdings Overlap
CRDT and VTI share 9 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, CRDT or VTI?
CRDT has an expense ratio of 0.99% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, CRDT or VTI?
Over the past year CRDT returned +4.61% vs +22.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CRDT annualized +4.73% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, CRDT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.6% for CRDT. Worst drawdown: CRDT -9.8% vs VTI -56.6%.
Should I hold both CRDT and VTI?
CRDT 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 CRDT and VTI?
CRDT and VTI share 9 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, CRDT or VTI?
CRDT yields 5.95% while VTI yields 1.07%, so CRDT currently pays the higher dividend yield.
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