CVLC vs VTI
Calvert US Large-Cap Core Responsible Index ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. CVLC delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | CVLC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $982M | $666.9B | |
| Dividend Yield | 0.93% | 1.07% | |
| Holdings | 759 | 3,543 | |
| YTD Return | +12.83% | +12.23% | |
| 1Y Return | +21.42% | +20.11% | |
| 3Y Return (annualized) | +20.66% | +20.52% | |
| 5Y Return (annualized) | - | +11.49% | |
| Volatility (annualized) | 13.3% | 15.3% | |
| Max Drawdown | -19.9% | -56.6% | |
| Fund Family | Calvert | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 30, 2023 | May 24, 2001 |
CVLC vs VTI Performance
Calvert US Large-Cap Core Responsible Index ETF (CVLC) is a ETF from Calvert and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CVLC returned +21.42% while VTI returned +20.11%. Year to date, CVLC is up 12.83% versus a gain of 12.23% for VTI.
Over three years, CVLC compounded at +20.66% per year against +20.52% for VTI. Across the full 4-year window we track, CVLC has the edge at +19.88% annualized vs +8.04%. 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 13.3% for CVLC. 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 -19.9% for CVLC 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
CVLC charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, CVLC currently yields 0.93% against 1.07% for VTI.
Holdings Overlap
CVLC and VTI share 630 holdings out of 2914 unique holdings combined, representing a 72.6% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, CVLC or VTI?
CVLC has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, CVLC or VTI?
Over the past year CVLC returned +21.42% vs +20.11% for VTI, so CVLC leads on 1-year performance. Over the longest common window we track (4 years), CVLC annualized +19.88% vs +8.04% for VTI. Past performance does not guarantee future results.
Which is riskier, CVLC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.3% for CVLC. Worst drawdown: CVLC -19.9% vs VTI -56.6%.
Should I hold both CVLC and VTI?
CVLC and VTI have a monthly-return correlation of 0.99, 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 CVLC and VTI?
CVLC and VTI share 630 common holdings with a 72.6% weight overlap. Combined, they hold 2914 unique securities.
Which pays a higher dividend, CVLC or VTI?
CVLC yields 0.93% while VTI yields 1.07%, so VTI 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.