CSHI vs VTI
NEOS Enhanced Income 1-3 Month T-Bill 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 | CSHI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.38% | 0.03% | |
| AUM | $1.6B | $666.9B | |
| Dividend Yield | 4.83% | 1.07% | |
| Holdings | 22 | 3,543 | |
| YTD Return | +3.23% | +13.14% | |
| 1Y Return | +5.03% | +22.35% | |
| 3Y Return (annualized) | +5.41% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 0.4% | 15.3% | |
| Max Drawdown | -1.7% | -56.6% | |
| Fund Family | NEOS | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 30, 2022 | May 24, 2001 |
CSHI vs VTI Performance
NEOS Enhanced Income 1-3 Month T-Bill ETF (CSHI) is a ETF from NEOS and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CSHI returned +5.03% while VTI returned +22.35%. Year to date, CSHI is up 3.23% versus a gain of 13.14% for VTI.
Over three years, CSHI compounded at +5.41% per year against +21.83% for VTI. Across the full 4-year window we track, VTI has the edge at +8.09% annualized vs +5.44%. 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 0.4% for CSHI. 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 -1.7% for CSHI 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CSHI charges 0.38% per year while VTI charges 0.03%. On a $10,000 position that is $38 vs $3 annually, a gap of $35 per year that compounds over a long holding period. On income, CSHI currently yields 4.83% against 1.07% for VTI.
Holdings Overlap
CSHI and VTI share 0 holdings out of 2788 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, CSHI or VTI?
CSHI has an expense ratio of 0.38% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, CSHI or VTI?
Over the past year CSHI returned +5.03% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), CSHI annualized +5.44% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CSHI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.4% for CSHI. Worst drawdown: CSHI -1.7% vs VTI -56.6%.
Should I hold both CSHI and VTI?
CSHI and VTI have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CSHI and VTI?
CSHI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, CSHI or VTI?
CSHI yields 4.83% while VTI yields 1.07%, so CSHI currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.