OILT vs VTI
Texas Capital Texas Oil Index ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. OILT delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | OILT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $14M | $666.9B | |
| Dividend Yield | 2.55% | 1.07% | |
| Holdings | 27 | 3,543 | |
| YTD Return | +41.25% | +12.65% | |
| 1Y Return | +50.55% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 25.7% | 15.3% | |
| Max Drawdown | -35.2% | -56.6% | |
| Fund Family | Texas Capital | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 20, 2023 | May 24, 2001 |
OILT vs VTI Performance
Texas Capital Texas Oil Index ETF (OILT) is a ETF from Texas Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year OILT returned +50.55% while VTI returned +21.39%. Year to date, OILT is up 41.25% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
OILT has been the more volatile fund, with annualized monthly volatility of 25.7% 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 -35.2% for OILT 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 -0.06. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OILT charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, OILT currently yields 2.55% against 1.07% for VTI.
Holdings Overlap
OILT and VTI share 17 holdings out of 2796 unique holdings combined, representing a 1.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, OILT or VTI?
OILT has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, OILT or VTI?
Over the past year OILT returned +50.55% vs +21.39% for VTI, so OILT leads on 1-year performance. Over the longest common window we track (3 years), OILT annualized +13.69% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, OILT or VTI?
OILT has been the more volatile fund at 25.7% annualized versus 15.3% for VTI. Worst drawdown: OILT -35.2% vs VTI -56.6%.
Should I hold both OILT and VTI?
OILT and VTI have a monthly-return correlation of -0.06, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OILT and VTI?
OILT and VTI share 17 common holdings with a 1.8% weight overlap. Combined, they hold 2796 unique securities.
Which pays a higher dividend, OILT or VTI?
OILT yields 2.55% while VTI yields 1.07%, so OILT currently pays the higher dividend yield.
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