SJCP vs VTI
SanJac Alpha Core Plus Bond 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 | SJCP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $8M | $666.9B | |
| Dividend Yield | 3.79% | 1.07% | |
| Holdings | 20 | 3,543 | |
| YTD Return | +1.56% | +13.14% | |
| 1Y Return | +3.74% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 2.1% | 15.3% | |
| Max Drawdown | -2.0% | -56.6% | |
| Fund Family | SanJac Alpha | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 9, 2024 | May 24, 2001 |
SJCP vs VTI Performance
SanJac Alpha Core Plus Bond ETF (SJCP) is a ETF from SanJac Alpha and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SJCP returned +3.74% while VTI returned +22.35%. Year to date, SJCP is up 1.56% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.1% for SJCP. 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 -2.0% for SJCP 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SJCP charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, SJCP currently yields 3.79% against 1.07% for VTI.
Holdings Overlap
SJCP and VTI share 1 holdings out of 2800 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SJCP | Weight in VTI | Difference |
|---|---|---|---|
| RITM | 0.33% | 0.00% | 0.33% |
Frequently Asked Questions
Which is cheaper, SJCP or VTI?
SJCP has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, SJCP or VTI?
Over the past year SJCP returned +3.74% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SJCP annualized +4.82% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, SJCP or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.1% for SJCP. Worst drawdown: SJCP -2.0% vs VTI -56.6%.
Should I hold both SJCP and VTI?
SJCP and VTI have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SJCP and VTI?
SJCP and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2800 unique securities.
Which pays a higher dividend, SJCP or VTI?
SJCP yields 3.79% while VTI yields 1.07%, so SJCP currently pays the higher dividend yield.
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