DARP vs VTI
Grizzle Growth ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. DARP delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | DARP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.03% | |
| AUM | $32M | $663.5B | |
| Dividend Yield | 0.33% | 1.07% | |
| Holdings | 81 | 3,543 | |
| YTD Return | +26.99% | +14.22% | |
| 1Y Return | +51.68% | +22.19% | |
| 3Y Return (annualized) | +33.96% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 22.2% | 15.3% | |
| Max Drawdown | -30.3% | -56.6% | |
| Fund Family | Grizzle Investment Management LLC | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 17, 2021 | May 24, 2001 |
DARP vs VTI Performance
Grizzle Growth ETF (DARP) is a ETF from Grizzle Investment Management LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DARP returned +51.68% while VTI returned +22.19%. Year to date, DARP is up 26.99% versus a gain of 14.22% for VTI.
Over three years, DARP compounded at +33.96% per year against +21.27% for VTI. Across the full 3-year window we track, DARP has the edge at +33.96% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DARP has been the more volatile fund, with annualized monthly volatility of 22.2% 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 -30.3% for DARP 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DARP charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, DARP currently yields 0.33% against 1.07% for VTI.
Holdings Overlap
DARP and VTI share 24 holdings out of 2797 unique holdings combined, representing a 25.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, DARP or VTI?
DARP has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, DARP or VTI?
Over the past year DARP returned +51.68% vs +22.19% for VTI, so DARP leads on 1-year performance. Over the longest common window we track (3 years), DARP annualized +33.96% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, DARP or VTI?
DARP has been the more volatile fund at 22.2% annualized versus 15.3% for VTI. Worst drawdown: DARP -30.3% vs VTI -56.6%.
Should I hold both DARP and VTI?
DARP and VTI have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DARP and VTI?
DARP and VTI share 24 common holdings with a 25.4% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, DARP or VTI?
DARP yields 0.33% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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