CRTC vs VTI
Xtrackers US National Critical Technologies 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 | CRTC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $147M | $666.9B | |
| Dividend Yield | 0.90% | 1.07% | |
| Holdings | 220 | 3,543 | |
| YTD Return | +11.67% | +13.14% | |
| 1Y Return | +18.96% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 12.0% | 15.3% | |
| Max Drawdown | -19.1% | -56.6% | |
| Fund Family | Xtrackers ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 16, 2023 | May 24, 2001 |
CRTC vs VTI Performance
Xtrackers US National Critical Technologies ETF (CRTC) is a ETF from Xtrackers ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CRTC returned +18.96% while VTI returned +22.35%. Year to date, CRTC is up 11.67% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.0% for CRTC. 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 -19.1% for CRTC 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
CRTC charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, CRTC currently yields 0.90% against 1.07% for VTI.
Holdings Overlap
CRTC and VTI share 138 holdings out of 2866 unique holdings combined, representing a 35.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRTC or VTI?
CRTC has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, CRTC or VTI?
Over the past year CRTC returned +18.96% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CRTC annualized +20.61% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CRTC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.0% for CRTC. Worst drawdown: CRTC -19.1% vs VTI -56.6%.
Should I hold both CRTC and VTI?
CRTC and VTI have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between CRTC and VTI?
CRTC and VTI share 138 common holdings with a 35.1% weight overlap. Combined, they hold 2866 unique securities.
Which pays a higher dividend, CRTC or VTI?
CRTC yields 0.90% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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