NACP vs VTI
Impact Shares NAACP Minority Empowerment ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. NACP delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | NACP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $76M | $666.9B | |
| Dividend Yield | 0.57% | 1.07% | |
| Holdings | 203 | 3,543 | |
| YTD Return | +20.28% | +13.12% | |
| 1Y Return | +33.79% | +20.82% | |
| 3Y Return (annualized) | +25.44% | +21.43% | |
| 5Y Return (annualized) | +14.41% | +11.84% | |
| Volatility (annualized) | 17.7% | 15.3% | |
| Max Drawdown | -31.0% | -56.6% | |
| Fund Family | Impact shares | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 12, 2018 | May 24, 2001 |
NACP vs VTI Performance
Impact Shares NAACP Minority Empowerment ETF (NACP) is a ETF from Impact shares and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NACP returned +33.79% while VTI returned +20.82%. Year to date, NACP is up 20.28% versus a gain of 13.12% for VTI.
Over three years, NACP compounded at +25.44% per year against +21.43% for VTI; over five years the annualized figures are +14.41% and +11.84% respectively. Across the full 8-year window we track, NACP has the edge at +16.28% annualized vs +8.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
NACP has been the more volatile fund, with annualized monthly volatility of 17.7% 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 -31.0% for NACP 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
NACP 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, NACP currently yields 0.57% against 1.07% for VTI.
Holdings Overlap
NACP and VTI share 192 holdings out of 2797 unique holdings combined, representing a 49.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, NACP or VTI?
NACP 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, NACP or VTI?
Over the past year NACP returned +33.79% vs +20.82% for VTI, so NACP leads on 1-year performance. Over the longest common window we track (8 years), NACP annualized +16.28% vs +8.08% for VTI. Past performance does not guarantee future results.
Which is riskier, NACP or VTI?
NACP has been the more volatile fund at 17.7% annualized versus 15.3% for VTI. Worst drawdown: NACP -31.0% vs VTI -56.6%.
Should I hold both NACP and VTI?
NACP and VTI have a monthly-return correlation of 0.97, 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 NACP and VTI?
NACP and VTI share 192 common holdings with a 49.9% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, NACP or VTI?
NACP yields 0.57% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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