CVAR vs VTI
Cultivar 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 | CVAR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.87% | 0.03% | |
| AUM | $42M | $663.5B | |
| Dividend Yield | 1.42% | 1.07% | |
| Holdings | 91 | 3,543 | |
| YTD Return | +8.75% | +14.22% | |
| 1Y Return | +15.25% | +22.19% | |
| 3Y Return (annualized) | +9.69% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 15.7% | 15.3% | |
| Max Drawdown | -19.4% | -56.6% | |
| Fund Family | Cultivar ETF | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 22, 2021 | May 24, 2001 |
CVAR vs VTI Performance
Cultivar ETF (CVAR) is a ETF from Cultivar ETF and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CVAR returned +15.25% while VTI returned +22.19%. Year to date, CVAR is up 8.75% versus a gain of 14.22% for VTI.
Over three years, CVAR compounded at +9.69% per year against +21.27% for VTI. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs +6.77%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CVAR has been the more volatile fund, with annualized monthly volatility of 15.7% 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 -19.4% for CVAR 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CVAR charges 0.87% per year while VTI charges 0.03%. On a $10,000 position that is $87 vs $3 annually, a gap of $84 per year that compounds over a long holding period. On income, CVAR currently yields 1.42% against 1.07% for VTI.
Holdings Overlap
CVAR and VTI share 63 holdings out of 2808 unique holdings combined, representing a 3.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CVAR or VTI?
CVAR has an expense ratio of 0.87% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $84 per year of difference.
Which performed better, CVAR or VTI?
Over the past year CVAR returned +15.25% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), CVAR annualized +6.77% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, CVAR or VTI?
CVAR has been the more volatile fund at 15.7% annualized versus 15.3% for VTI. Worst drawdown: CVAR -19.4% vs VTI -56.6%.
Should I hold both CVAR and VTI?
CVAR and VTI 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 CVAR and VTI?
CVAR and VTI share 63 common holdings with a 3.5% weight overlap. Combined, they hold 2808 unique securities.
Which pays a higher dividend, CVAR or VTI?
CVAR yields 1.42% while VTI yields 1.07%, so CVAR currently pays the higher dividend yield.
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