CRED vs VTI
Columbia Research Enhanced Real Estate ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | CRED | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.33% | 0.03% | |
| AUM | $3M | $663.5B | |
| Dividend Yield | 4.61% | 1.07% | |
| Holdings | 67 | 3,543 | |
| YTD Return | -0.40% | +14.22% | |
| 1Y Return | -6.09% | +22.19% | |
| 3Y Return (annualized) | +2.35% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 18.0% | 15.3% | |
| Max Drawdown | -17.6% | -56.6% | |
| Fund Family | Columbia Threadneedle Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 26, 2023 | May 24, 2001 |
CRED vs VTI Performance
Columbia Research Enhanced Real Estate ETF (CRED) is a ETF from Columbia Threadneedle Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CRED returned -6.09% while VTI returned +22.19%. Year to date, CRED is down 0.40% versus a gain of 14.22% for VTI.
Over three years, CRED compounded at +2.35% per year against +21.27% for VTI. Across the full 3-year window we track, VTI has the edge at +8.14% annualized vs +4.25%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CRED has been the more volatile fund, with annualized monthly volatility of 18.0% 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 -17.6% for CRED 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRED charges 0.33% per year while VTI charges 0.03%. On a $10,000 position that is $33 vs $3 annually, a gap of $30 per year that compounds over a long holding period. On income, CRED currently yields 4.61% against 1.07% for VTI.
Holdings Overlap
CRED and VTI share 48 holdings out of 2801 unique holdings combined, representing a 0.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRED or VTI?
CRED has an expense ratio of 0.33% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $30 per year of difference.
Which performed better, CRED or VTI?
Over the past year CRED returned -6.09% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CRED annualized +4.25% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, CRED or VTI?
CRED has been the more volatile fund at 18.0% annualized versus 15.3% for VTI. Worst drawdown: CRED -17.6% vs VTI -56.6%.
Should I hold both CRED and VTI?
CRED and VTI have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRED and VTI?
CRED and VTI share 48 common holdings with a 0.9% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, CRED or VTI?
CRED yields 4.61% while VTI yields 1.07%, so CRED currently pays the higher dividend yield.
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