OSCV vs VTI
Opus Small Cap Value ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | OSCV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $708M | $666.9B | |
| Dividend Yield | 1.05% | 1.07% | |
| Holdings | 67 | 3,543 | |
| YTD Return | +14.53% | +13.38% | |
| 1Y Return | +14.25% | +21.12% | |
| 3Y Return (annualized) | +11.81% | +21.85% | |
| 5Y Return (annualized) | +7.01% | +12.44% | |
| Volatility (annualized) | 18.6% | 15.3% | |
| Max Drawdown | -42.8% | -56.6% | |
| Fund Family | Aptus ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 18, 2018 | May 24, 2001 |
OSCV vs VTI Performance
Opus Small Cap Value ETF (OSCV) is a ETF from Aptus ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year OSCV returned +14.25% while VTI returned +21.12%. Year to date, OSCV is up 14.53% versus a gain of 13.38% for VTI.
Over three years, OSCV compounded at +11.81% per year against +21.85% for VTI; over five years the annualized figures are +7.01% and +12.44% respectively. Across the full 8-year window we track, VTI has the edge at +8.10% annualized vs +6.79%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OSCV has been the more volatile fund, with annualized monthly volatility of 18.6% 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 -42.8% for OSCV 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
OSCV charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, OSCV currently yields 1.05% against 1.07% for VTI.
Holdings Overlap
OSCV and VTI share 40 holdings out of 2812 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, OSCV or VTI?
OSCV has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, OSCV or VTI?
Over the past year OSCV returned +14.25% vs +21.12% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), OSCV annualized +6.79% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, OSCV or VTI?
OSCV has been the more volatile fund at 18.6% annualized versus 15.3% for VTI. Worst drawdown: OSCV -42.8% vs VTI -56.6%.
Should I hold both OSCV and VTI?
OSCV and VTI have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OSCV and VTI?
OSCV and VTI share 40 common holdings with a 0.2% weight overlap. Combined, they hold 2812 unique securities.
Which pays a higher dividend, OSCV or VTI?
OSCV yields 1.05% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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