MDCR vs VTI
Pacer Swan SOS Moderate (December) ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MDCR or VTI?
Option Writing against Large Cap Blend.
VTI has a lower expense ratio. MDCR led over the full window, VTI over 1Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | MDCR | VTI |
|---|---|---|
| Expense Ratio | 0.49% | 0.03%Best |
| AUM | $2M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 1 | 3,543 |
| YTD Return | +1.87% | +11.06%Best |
| 1Y Return | +1.87% | +15.41%Best |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 221923.6% | 15.8%Best |
| Max Drawdown | -92.7% | -35.0%Best |
| $10,000 over 10.1 years | $3,727,552Best | $36,122 |
| Fund Family | Pacer ETFs | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Option Writing | Large Cap Blend |
| Inception | Jun 11, 2026 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 10.1 years row, are measured over the window both funds cover: Aug 26, 2016 to Sep 16, 2026 (10.1 years).
MDCR vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
MDCR vs VTI Performance
Pacer Swan SOS Moderate (December) ETF (MDCR) is an ETF from Pacer ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year MDCR returned +1.87% while VTI returned +15.41%. Year to date, MDCR is up 1.87% versus a gain of 11.06% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MDCR has been the more volatile fund, with annualized monthly volatility of 221923.6% compared with 15.8% 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 -92.7% for MDCR and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at -0.18. They move largely independently of each other.
Fees and Cost Over Time
MDCR 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, MDCR currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 1 holding in MDCR and 3,463 in VTI, totalling 3.7% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 1 positions we hold weights for in MDCR and 3,463 in VTI, against full books of 1 and 3,543.
You are not choosing between two funds in isolation.
Whichever of MDCR and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, MDCR or VTI?
MDCR has an expense ratio of 0.49% while VTI charges 0.03%. VTI is the cheaper option, by $46 a year on a $10,000 investment.
Which performed better, MDCR or VTI?
Over the past year MDCR returned +1.87% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), MDCR annualized +79.72% vs +13.56% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MDCR or VTI?
MDCR has been the more volatile fund at 221923.6% annualized versus 15.8% for VTI. Worst drawdown: MDCR -92.7% vs VTI -35.0%.
Should I hold both MDCR and VTI?
MDCR and VTI have a monthly-return correlation of -0.18, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, MDCR or VTI?
MDCR yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than MDCR?
VTI has a lower expense ratio. MDCR led over the full window, VTI over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.