SCD vs VTI
LMP Capital and Income Fund Inc. vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCD or VTI?
Equity-oriented Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and 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 | SCD | VTI |
|---|---|---|
| Expense Ratio | 2.67% | 0.03%Best |
| AUM | $403M | $666.9B |
| Dividend Yield | 8.30% | 1.03% |
| Holdings | 158 | 3,543 |
| YTD Return | +8.74% | +11.65%Best |
| 1Y Return | +8.09% | +17.34%Best |
| 3Y Return (annualized) | +16.02% | +20.35%Best |
| 5Y Return (annualized) | +10.65% | +11.72%Best |
| Volatility (annualized) | 20.9% | 15.1%Best |
| Max Drawdown | -71.3% | -56.6%Best |
| $10,000 over 5 years | $16,587 | $17,404Best |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Blend |
| Inception | Feb 24, 2004 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 25, 2004 to Sep 10, 2026 (22.5 years).
SCD 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 22.5 years both funds cover.
SCD vs VTI Performance
LMP Capital and Income Fund Inc. (SCD) is an ETF from Franklin Templeton Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SCD returned +8.09% while VTI returned +17.34%. Year to date, SCD is up 8.74% versus a gain of 11.65% for VTI.
Over three years, SCD compounded at +16.02% per year against +20.35% for VTI; over five years the annualized figures are +10.65% and +11.72% respectively. Across the full 23-year window we track, VTI has the edge at +9.22% annualized vs +1.09%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCD has been the more volatile fund, with annualized monthly volatility of 20.9% compared with 15.1% 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 -71.3% for SCD and -56.6% 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCD charges 2.67% per year while VTI charges 0.03%. On a $10,000 position that is $267 vs $3 annually, a gap of $264 per year that compounds over a long holding period. On income, SCD currently yields 8.30% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 138 holdings in SCD and 2,787 in VTI, totalling 122.3% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 56 positions appear in both.
The two holdings books were reported 123 days apart, SCD as of Feb 27, 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.
56 positions in common, counted across the 138 positions we hold weights for in SCD and 2,787 in VTI, against full books of 158 and 3,543.
Top Shared Holdings
| Stock | Weight in SCD | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 3.09% | 5.84% | 2.75% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 2.54% | 3.81% | 1.27% |
| GOOGAlphabet Inc | 2.63% | 2.27% | 0.36% |
| WMBWilliams Cos. Inc. | 4.63% | 0.12% | 4.51% |
| AVGOBroadcom Inc | 2.25% | 2.46% | 0.21% |
| KMIKinder Morgan Inc./de | 3.25% | 0.08% | 3.17% |
| UNPUnion Pacific Corp | 3.08% | 0.22% | 2.86% |
| JPMJpmorgan Chase & Co. | 2.19% | 1.11% | 1.08% |
| NEENextera Energy Inc. | 2.49% | 0.25% | 2.24% |
| LHXL3Harris Technologies Inc. | 2.59% | 0.07% | 2.52% |
You are not choosing between two funds in isolation.
Whichever of SCD and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCD or VTI?
SCD has an expense ratio of 2.67% while VTI charges 0.03%. VTI is the cheaper option, by $264 a year on a $10,000 investment.
Which performed better, SCD or VTI?
Over the past year SCD returned +8.09% vs +17.34% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (23 years), SCD annualized +1.09% vs +9.22% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCD or VTI?
SCD has been the more volatile fund at 20.9% annualized versus 15.1% for VTI. Worst drawdown: SCD -71.3% vs VTI -56.6%.
Should I hold both SCD and VTI?
SCD and VTI have a monthly-return correlation of 0.82, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCD or VTI?
SCD yields 8.30% while VTI yields 1.03%, so SCD currently pays the higher dividend yield.
Is VTI better than SCD?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.