CZAR vs VTI
Themes Natural Monopoly 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 | CZAR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $2M | $666.9B | |
| Dividend Yield | 1.42% | 1.07% | |
| Holdings | 218 | 3,543 | |
| YTD Return | +3.77% | +13.14% | |
| 1Y Return | +4.52% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 9.6% | 15.3% | |
| Max Drawdown | -13.4% | -56.6% | |
| Fund Family | Themes ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 13, 2023 | May 24, 2001 |
CZAR vs VTI Performance
Themes Natural Monopoly ETF (CZAR) is a ETF from Themes ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CZAR returned +4.52% while VTI returned +22.35%. Year to date, CZAR is up 3.77% 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 9.6% for CZAR. 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 -13.4% for CZAR 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CZAR 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, CZAR currently yields 1.42% against 1.07% for VTI.
Holdings Overlap
CZAR and VTI share 44 holdings out of 2837 unique holdings combined, representing a 14.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CZAR or VTI?
CZAR 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, CZAR or VTI?
Over the past year CZAR returned +4.52% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CZAR annualized +11.86% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, CZAR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.6% for CZAR. Worst drawdown: CZAR -13.4% vs VTI -56.6%.
Should I hold both CZAR and VTI?
CZAR and VTI have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CZAR and VTI?
CZAR and VTI share 44 common holdings with a 14.1% weight overlap. Combined, they hold 2837 unique securities.
Which pays a higher dividend, CZAR or VTI?
CZAR yields 1.42% while VTI yields 1.07%, so CZAR currently pays the higher dividend yield.
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