MCOW vs VTI
Pacer S&P MidCap 400 Quality FCF Aristocrats 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 | MCOW | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $1M | $666.9B | |
| Dividend Yield | 0.21% | 1.07% | |
| Holdings | 79 | 3,543 | |
| YTD Return | +11.78% | +13.14% | |
| 1Y Return | +8.24% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 14.4% | 15.3% | |
| Max Drawdown | -15.1% | -56.6% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 27, 2025 | May 24, 2001 |
MCOW vs VTI Performance
Pacer S&P MidCap 400 Quality FCF Aristocrats ETF (MCOW) is a ETF from Pacer ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MCOW returned +8.24% while VTI returned +22.35%. Year to date, MCOW is up 11.78% 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 14.4% for MCOW. 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 -15.1% for MCOW 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MCOW charges 0.49% per year while VTI charges 0.03%. On a $10,000 position that is $49 vs $3 annually, a gap of $46 per year that compounds over a long holding period. On income, MCOW currently yields 0.21% against 1.07% for VTI.
Holdings Overlap
MCOW and VTI share 58 holdings out of 2807 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MCOW or VTI?
MCOW has an expense ratio of 0.49% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, MCOW or VTI?
Over the past year MCOW returned +8.24% vs +22.35% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, MCOW or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.4% for MCOW. Worst drawdown: MCOW -15.1% vs VTI -56.6%.
Should I hold both MCOW and VTI?
MCOW and VTI have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MCOW and VTI?
MCOW and VTI share 58 common holdings with a 0.6% weight overlap. Combined, they hold 2807 unique securities.
Which pays a higher dividend, MCOW or VTI?
MCOW yields 0.21% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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