CRDT vs VTI
Simplify Opportunistic Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CRDT or VTI?
Investment Grade Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CRDT | VTI |
|---|---|---|
| Expense Ratio | 0.99% | 0.03%Best |
| AUM | $31M | $666.9B |
| Dividend Yield | 5.85% | 1.03% |
| Holdings | 47 | 3,543 |
| YTD Return | -4.99% | +13.60%Best |
| 1Y Return | -4.52% | +18.17%Best |
| 3Y Return (annualized) | +0.79% | +23.04%Best |
| 5Y Return (annualized) | - | +12.14% |
| Volatility (annualized) | 6.8%Best | 13.0% |
| Max Drawdown | -10.3%Best | -19.3% |
| $10,000 over 3.2 years | $10,448 | $18,066Best |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Investment Grade Bond | Large Cap Blend |
| Inception | Jun 26, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jun 27, 2023 to Sep 25, 2026 (3.2 years).
CRDT vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.2 years both funds cover.
CRDT vs VTI Performance
Simplify Opportunistic Income ETF (CRDT) is an ETF from Simplify Exchange Traded Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CRDT returned -4.52% while VTI returned +18.17%. Year to date, CRDT is down 4.99% versus a gain of 13.60% for VTI.
Over three years, CRDT compounded at +0.79% per year against +23.04% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.0% compared with 6.8% 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 -10.3% for CRDT and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.31. They move together some of the time, and apart the rest.
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 5.85% against 1.03% for VTI.
Holdings Overlap
At least 0.1% of VTI's money is in holdings CRDT also owns.
Stated as a floor: for CRDT, our book for it covers 57.5% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
9 positions in common, counted across the 20 positions we hold weights for in CRDT and 3,463 in VTI, against full books of 47 and 3,543.
Top Shared Holdings
| Stock | Weight in CRDT | Weight in VTI | Difference |
|---|---|---|---|
| RITMRithm Capital | 6.53% | 0.01% | 6.52% |
| DXDynex Capital, Inc. | 4.10% | 0.00% | 4.10% |
| FLLFull House Resorts Inc Com | 4.04% | 0.00% | 4.04% |
| BHRBraemar Hotels & Resorts | 3.99% | 0.00% | 3.99% |
| NLYAnnaly Capital Management Inc | 3.86% | 0.02% | 3.84% |
| MFAMfa Financial Inc Reit Usd.01 | 3.67% | 0.00% | 3.67% |
| AGNCAgnc Investment Corp. | 2.66% | 0.02% | 2.64% |
| ARRArmour Residential Reit Inc | 2.09% | 0.00% | 2.09% |
| PMTPennymac Mortgage Investment | 1.47% | 0.00% | 1.47% |
You are not choosing between two funds in isolation.
Whichever of CRDT and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $96 a year on a $10,000 investment.
Which performed better, CRDT or VTI?
Over the past year CRDT returned -4.52% vs +18.17% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CRDT or VTI?
VTI has been the more volatile fund at 13.0% annualized versus 6.8% for CRDT. Worst drawdown: CRDT -10.3% vs VTI -19.3%.
Should I hold both CRDT and VTI?
CRDT and VTI have a monthly-return correlation of 0.31, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, CRDT or VTI?
CRDT yields 5.85% while VTI yields 1.03%, so CRDT currently pays the higher dividend yield.
Is VTI better than CRDT?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.