OALC vs VTI
OneAscent Large Cap Core ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. OALC delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | OALC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $264M | $666.9B | |
| Dividend Yield | 0.53% | 1.07% | |
| Holdings | 206 | 3,543 | |
| YTD Return | +19.24% | +14.82% | |
| 1Y Return | +26.65% | +22.43% | |
| 3Y Return (annualized) | +23.54% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 15.6% | 15.4% | |
| Max Drawdown | -26.8% | -56.6% | |
| Fund Family | OneAscent Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 15, 2021 | May 24, 2001 |
OALC vs VTI Performance
OneAscent Large Cap Core ETF (OALC) is a ETF from OneAscent Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year OALC returned +26.65% while VTI returned +22.43%. Year to date, OALC is up 19.24% versus a gain of 14.82% for VTI.
Over three years, OALC compounded at +23.54% per year against +21.93% for VTI. Across the full 5-year window we track, OALC has the edge at +12.04% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OALC has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 15.4% 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 -26.8% for OALC 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
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 1.07% for VTI.
Holdings Overlap
OALC and VTI share 226 holdings out of 2801 unique holdings combined, representing a 57.5% weight overlap.
High overlap means holding both may not provide much additional diversification.
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. On a $10,000 investment, that is $46 per year of difference.
Which performed better, OALC or VTI?
Over the past year OALC returned +26.65% vs +22.43% for VTI, so OALC leads on 1-year performance. Over the longest common window we track (5 years), OALC annualized +12.04% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, OALC or VTI?
OALC has been the more volatile fund at 15.6% annualized versus 15.4% for VTI. Worst drawdown: OALC -26.8% vs VTI -56.6%.
Should I hold both OALC and VTI?
OALC 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 OALC and VTI?
OALC and VTI share 226 common holdings with a 57.5% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, OALC or VTI?
OALC yields 0.53% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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