CTIF vs VOO
Castellan Targeted Income ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | CTIF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $203M | $997.4B | |
| Dividend Yield | 4.76% | 1.08% | |
| Holdings | 45 | 509 | |
| YTD Return | +9.94% | +14.27% | |
| 1Y Return | +10.56% | +21.79% | |
| 3Y Return (annualized) | - | +22.19% | |
| 5Y Return (annualized) | - | +13.28% | |
| Volatility (annualized) | 11.6% | 14.2% | |
| Max Drawdown | -10.6% | -34.3% | |
| Fund Family | Castellan ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 24, 2025 | Sep 7, 2010 |
CTIF vs VOO Performance
Castellan Targeted Income ETF (CTIF) is a ETF from Castellan ETFs and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year CTIF returned +10.56% while VOO returned +21.79%. Year to date, CTIF is up 9.94% versus a gain of 14.27% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 11.6% for CTIF. 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 -10.6% for CTIF and -34.3% for VOO. 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CTIF charges 0.45% per year while VOO charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, CTIF currently yields 4.76% against 1.08% for VOO.
Holdings Overlap
CTIF and VOO share 20 holdings out of 508 unique holdings combined, representing a 9.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CTIF or VOO?
CTIF has an expense ratio of 0.45% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, CTIF or VOO?
Over the past year CTIF returned +10.56% vs +21.79% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), CTIF annualized +12.36% vs +13.59% for VOO. Past performance does not guarantee future results.
Which is riskier, CTIF or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 11.6% for CTIF. Worst drawdown: CTIF -10.6% vs VOO -34.3%.
Should I hold both CTIF and VOO?
CTIF and VOO have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CTIF and VOO?
CTIF and VOO share 20 common holdings with a 9.5% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, CTIF or VOO?
CTIF yields 4.76% while VOO yields 1.08%, so CTIF currently pays the higher dividend yield.
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