NPCT vs VTI
Nuveen Core Plus Impact Fund vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | NPCT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.38% | 0.03% | |
| AUM | - | $663.5B | |
| Dividend Yield | 11.27% | 1.07% | |
| Holdings | 131 | 3,543 | |
| YTD Return | +3.13% | +13.87% | |
| 1Y Return | +0.53% | +23.31% | |
| 3Y Return (annualized) | +11.99% | +21.17% | |
| 5Y Return (annualized) | -3.13% | +12.23% | |
| Volatility (annualized) | 16.8% | 15.3% | |
| Max Drawdown | -46.8% | -56.6% | |
| Fund Family | Nuveen | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 27, 2021 | May 24, 2001 |
NPCT vs VTI Performance
Nuveen Core Plus Impact Fund (NPCT) is a ETF from Nuveen and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NPCT returned +0.53% while VTI returned +23.31%. Year to date, NPCT is up 3.13% versus a gain of 13.87% for VTI.
Over three years, NPCT compounded at +11.99% per year against +21.17% for VTI; over five years the annualized figures are -3.13% and +12.23% respectively. Across the full 5-year window we track, VTI has the edge at +8.13% annualized vs -3.02%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
NPCT has been the more volatile fund, with annualized monthly volatility of 16.8% 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 -46.8% for NPCT 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 0.72. 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 11.27% against 1.07% for VTI.
Holdings Overlap
NPCT and VTI share 1 holdings out of 2788 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in NPCT | Weight in VTI | Difference |
|---|---|---|---|
| JPM:US | 0.64% | 1.11% | 0.47% |
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. On a $10,000 investment, that is $135 per year of difference.
Which performed better, NPCT or VTI?
Over the past year NPCT returned +0.53% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), NPCT annualized -3.02% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, NPCT or VTI?
NPCT has been the more volatile fund at 16.8% annualized versus 15.3% for VTI. Worst drawdown: NPCT -46.8% vs VTI -56.6%.
Should I hold both NPCT and VTI?
NPCT and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NPCT and VTI?
NPCT and VTI share 1 common holdings with a 0.6% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, NPCT or VTI?
NPCT yields 11.27% while VTI yields 1.07%, so NPCT currently pays the higher dividend yield.
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