OILT vs VTI
Texas Capital Texas Oil Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, OILT or VTI?
Each has led over a different period.
VTI has a lower expense ratio. OILT led over 1Y, VTI over 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 | OILT | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $14M | $666.9B |
| Dividend Yield | 2.55% | 1.03% |
| Holdings | 27 | 3,543 |
| YTD Return | +43.00%Best | +11.65% |
| 1Y Return | +45.98%Best | +17.34% |
| 3Y Return (annualized) | - | +20.35% |
| 5Y Return (annualized) | - | +11.72% |
| Volatility (annualized) | 25.1% | 12.1%Best |
| Max Drawdown | -35.2% | -19.3%Best |
| $10,000 over 2.7 years | $14,211 | $16,254Best |
| Fund Family | Texas Capital | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 20, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.7 years row, are measured over the window both funds cover: Dec 21, 2023 to Sep 10, 2026 (2.7 years).
OILT 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 2.7 years both funds cover.
OILT vs VTI Performance
Texas Capital Texas Oil Index ETF (OILT) is an ETF from Texas Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year OILT returned +45.98% while VTI returned +17.34%. Year to date, OILT is up 43.00% versus a gain of 11.65% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OILT has been the more volatile fund, with annualized monthly volatility of 25.1% compared with 12.1% 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 -19.3% 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 -0.06. They move largely independently of each other.
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 1.03% for VTI.
Holdings Overlap
At least 80.7% of OILT'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 OILT is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 49 days apart, OILT as of Aug 18, 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.
17 positions in common, counted across the 26 positions we hold weights for in OILT and 2,787 in VTI, against full books of 27 and 3,543.
Top Shared Holdings
| Stock | Weight in OILT | Weight in VTI | Difference |
|---|---|---|---|
| XOMExxon Mobil Corp. | 7.55% | 0.78% | 6.77% |
| COPConocophillips Co | 7.52% | 0.17% | 7.35% |
| FANGDiamondback Energy Inc. | 7.30% | 0.05% | 7.25% |
| OXYOccidental Petroleum Corp. | 7.21% | 0.05% | 7.16% |
| EOGEog Resources Inc | 6.01% | 0.09% | 5.92% |
| CRGYCrescent Energy Inc Common Stock Usd 0.0001 | 5.22% | 0.00% | 5.22% |
| SMSm Energy Co | 5.08% | 0.00% | 5.08% |
| CVXChevron Corp. | 4.58% | 0.43% | 4.15% |
| OVVOvintiv Inc. | 4.94% | 0.02% | 4.92% |
| APAApa Corp | 4.87% | 0.02% | 4.85% |
80.7% of OILT 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, OILT or VTI?
OILT has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, OILT or VTI?
Over the past year OILT returned +45.98% vs +17.34% for VTI, so OILT leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OILT or VTI?
OILT has been the more volatile fund at 25.1% annualized versus 12.1% for VTI. Worst drawdown: OILT -35.2% vs VTI -19.3%.
Should I hold both OILT and VTI?
OILT and VTI have a monthly-return correlation of -0.06, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between OILT and VTI?
At least 80.7% of OILT's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 17 positions in common, counted across the 26 positions we hold weights for in OILT and 2,787 in VTI.
Which pays a higher dividend, OILT or VTI?
OILT yields 2.55% while VTI yields 1.03%, so OILT currently pays the higher dividend yield.
Is VTI better than OILT?
VTI has a lower expense ratio. OILT led over 1Y, VTI over the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.