PSCD vs VTI
Invesco S&P SmallCap Consumer Discretionary 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 | PSCD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.03% | |
| AUM | $24M | $666.9B | |
| Dividend Yield | 0.98% | 1.07% | |
| Holdings | 90 | 3,543 | |
| YTD Return | +15.07% | +14.82% | |
| 1Y Return | +10.89% | +22.43% | |
| 3Y Return (annualized) | +10.29% | +21.93% | |
| 5Y Return (annualized) | +2.50% | +12.34% | |
| Volatility (annualized) | 24.9% | 15.4% | |
| Max Drawdown | -57.3% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 7, 2010 | May 24, 2001 |
PSCD vs VTI Performance
Invesco S&P SmallCap Consumer Discretionary ETF (PSCD) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PSCD returned +10.89% while VTI returned +22.43%. Year to date, PSCD is up 15.07% versus a gain of 14.82% for VTI.
Over three years, PSCD compounded at +10.29% per year against +21.93% for VTI; over five years the annualized figures are +2.50% and +12.34% respectively. Across the full 16-year window we track, PSCD has the edge at +10.35% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PSCD has been the more volatile fund, with annualized monthly volatility of 24.9% 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 -57.3% for PSCD 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PSCD charges 0.29% per year while VTI charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, PSCD currently yields 0.98% against 1.07% for VTI.
Holdings Overlap
PSCD and VTI share 64 holdings out of 2811 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PSCD or VTI?
PSCD has an expense ratio of 0.29% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, PSCD or VTI?
Over the past year PSCD returned +10.89% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), PSCD annualized +10.35% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, PSCD or VTI?
PSCD has been the more volatile fund at 24.9% annualized versus 15.4% for VTI. Worst drawdown: PSCD -57.3% vs VTI -56.6%.
Should I hold both PSCD and VTI?
PSCD and VTI have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PSCD and VTI?
PSCD and VTI share 64 common holdings with a 0.0% weight overlap. Combined, they hold 2811 unique securities.
Which pays a higher dividend, PSCD or VTI?
PSCD yields 0.98% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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