NPCT vs VTI
Nuveen Core Plus Impact Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, NPCT or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
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 | NPCT | VTI |
|---|---|---|
| Expense Ratio | 1.38% | 0.03%Best |
| AUM | - | $666.9B |
| Dividend Yield | 11.30% | 1.03% |
| Holdings | 131 | 3,543 |
| YTD Return | +2.48% | +11.06%Best |
| 1Y Return | -2.30% | +15.41%Best |
| 3Y Return (annualized) | +12.85% | +20.48%Best |
| 5Y Return (annualized) | -3.09% | +11.52%Best |
| Volatility (annualized) | 16.7% | 15.6%Best |
| Max Drawdown | -46.8% | -25.4%Best |
| $10,000 over 5 years | $8,548 | $17,249Best |
| Fund Family | Nuveen | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Apr 27, 2021 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Apr 28, 2021 to Sep 16, 2026 (5.4 years).
NPCT 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 covers the 5.4 years both funds cover.
NPCT vs VTI Performance
Nuveen Core Plus Impact Fund (NPCT) is an ETF from Nuveen and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year NPCT returned -2.30% while VTI returned +15.41%. Year to date, NPCT is up 2.48% versus a gain of 11.06% for VTI.
Over three years, NPCT compounded at +12.85% per year against +20.48% for VTI; over five years the annualized figures are -3.09% and +11.52% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
NPCT has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 15.6% 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 -46.8% for NPCT and -25.4% 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
NPCT charges 1.38% per year while VTI charges 0.03%. On a $10,000 position that is $138 vs $3 annually, a gap of $135 per year that compounds over a long holding period. On income, NPCT currently yields 11.30% against 1.03% for VTI.
Holdings Overlap
At least 0.7% of VTI's money is in holdings NPCT also owns.
Stated as a floor: for NPCT, our book for it covers 64.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
2 positions in common, counted across the 69 positions we hold weights for in NPCT and 3,463 in VTI, against full books of 131 and 3,543.
You are not choosing between two funds in isolation.
Whichever of NPCT 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, NPCT or VTI?
NPCT has an expense ratio of 1.38% while VTI charges 0.03%. VTI is the cheaper option, by $135 a year on a $10,000 investment.
Which performed better, NPCT or VTI?
Over the past year NPCT returned -2.30% vs +15.41% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, NPCT or VTI?
NPCT has been the more volatile fund at 16.7% annualized versus 15.6% for VTI. Worst drawdown: NPCT -46.8% vs VTI -25.4%.
Should I hold both NPCT and VTI?
NPCT and VTI have a monthly-return correlation of 0.72, 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, NPCT or VTI?
NPCT yields 11.30% while VTI yields 1.03%, so NPCT currently pays the higher dividend yield.
Is VTI better than NPCT?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.