OALC vs VTI
OneAscent Large Cap Core ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, OALC or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. OALC led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.97.
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 | OALC | VTI |
|---|---|---|
| Expense Ratio | 0.49% | 0.03%Best |
| AUM | $261M | $666.9B |
| Dividend Yield | 0.53% | 1.03% |
| Holdings | 244 | 3,543 |
| YTD Return | +14.91%Best | +11.65% |
| 1Y Return | +19.81%Best | +17.34% |
| 3Y Return (annualized) | +21.24%Best | +20.35% |
| 5Y Return (annualized) | - | +11.72% |
| Volatility (annualized) | 15.4%Best | 16.0% |
| Max Drawdown | -26.8% | -25.4%Best |
| $10,000 over 4.8 years | $16,495Best | $16,410 |
| Fund Family | OneAscent Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Nov 15, 2021 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.8 years row, are measured over the window both funds cover: Nov 16, 2021 to Sep 10, 2026 (4.8 years).
OALC 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 4.8 years both funds cover.
OALC vs VTI Performance
OneAscent Large Cap Core ETF (OALC) is an ETF from OneAscent Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year OALC returned +19.81% while VTI returned +17.34%. Year to date, OALC is up 14.91% versus a gain of 11.65% for VTI.
Over three years, OALC compounded at +21.24% per year against +20.35% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.0% compared with 15.4% for OALC. 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 -26.8% for OALC 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
OALC 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, OALC currently yields 0.53% against 1.03% for VTI.
Holdings Overlap
At least 97.2% of OALC's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of OALC is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 64 days apart, OALC as of Sep 2, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
202 positions in common, counted across the 211 positions we hold weights for in OALC and 2,787 in VTI, against full books of 244 and 3,543.
Top Shared Holdings
| Stock | Weight in OALC | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 8.30% | 6.32% | 1.98% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 6.13% | 3.81% | 2.32% |
| AMZNAmazon.Com Inc | 3.89% | 3.17% | 0.72% |
| GOOGLAlphabet A Usd 0.001 | 3.15% | 2.88% | 0.27% |
| AVGOBroadcom Inc | 2.71% | 2.46% | 0.25% |
| GOOGAlphabet Inc | 2.55% | 2.27% | 0.28% |
| MUMicron Technology, Inc. | 1.67% | 1.79% | 0.12% |
| LLYEli Lilly & Co. | 1.67% | 1.40% | 0.27% |
| JPMJpmorgan Chase & Co. | 1.74% | 1.11% | 0.63% |
| BRK.BBerkshire Hathaway B | 1.53% | 1.24% | 0.29% |
97.2% of OALC is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, OALC or VTI?
OALC 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, OALC or VTI?
Over the past year OALC returned +19.81% vs +17.34% for VTI, so OALC leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OALC or VTI?
VTI has been the more volatile fund at 16.0% annualized versus 15.4% for OALC. Worst drawdown: OALC -26.8% vs VTI -25.4%.
Should I hold both OALC and VTI?
OALC and VTI have a monthly-return correlation of 0.97, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between OALC and VTI?
At least 97.2% of OALC's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 202 positions in common, counted across the 211 positions we hold weights for in OALC and 2,787 in VTI.
Which pays a higher dividend, OALC or VTI?
OALC yields 0.53% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than OALC?
VTI has a lower expense ratio. OALC led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.97. Which one suits a particular account depends on what it is for. This is information, not a recommendation.