SOVF vs VTI
Sovereigns Capital Flourish Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, SOVF or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 36.0%.
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 | SOVF | VTI |
|---|---|---|
| Expense Ratio | 0.75% | 0.03%Best |
| AUM | $90M | $666.9B |
| Dividend Yield | 0.70% | 1.03% |
| Holdings | 79 | 3,543 |
| YTD Return | +3.59% | +13.60%Best |
| 1Y Return | +0.96% | +18.17%Best |
| 3Y Return (annualized) | +7.76% | +23.04%Best |
| 5Y Return (annualized) | - | +12.14% |
| Volatility (annualized) | 17.1% | 12.7%Best |
| Max Drawdown | -21.7% | -19.3%Best |
| $10,000 over 3 years | $12,513 | $18,914Best |
| Top 10 Weight | 36.0% | 33.3%Best |
| Fund Family | Sovereign's Capital | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Oct 2, 2023 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Oct 3, 2023 to Sep 25, 2026 (3 years).
SOVF 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 3 years both funds cover.
SOVF vs VTI Performance
Sovereigns Capital Flourish Fund (SOVF) is an ETF from Sovereign's Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SOVF returned +0.96% while VTI returned +18.17%. Year to date, SOVF is up 3.59% versus a gain of 13.60% for VTI.
Over three years, SOVF compounded at +7.76% per year against +23.04% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SOVF has been the more volatile fund, with annualized monthly volatility of 17.1% compared with 12.7% 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 -21.7% for SOVF 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SOVF charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, SOVF currently yields 0.70% against 1.03% for VTI.
Holdings Overlap
99.7% of SOVF's money is in holdings VTI also owns. 4.5% of VTI's money is in holdings SOVF also owns.
Most of SOVF is already inside VTI. Owning both mostly buys the same companies twice.
78 positions in common, counted across the 80 positions we hold weights for in SOVF and 3,463 in VTI, against full books of 79 and 3,543.
What only one of them owns
Our book lists 1,096 positions for VTI that do not appear in our book for SOVF (93.1% of the fund), and 1 for SOVF that do not appear in VTI (0.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SOVF | Weight in VTI | Difference |
|---|---|---|---|
| PAYCPaycom Software Inc . | 5.22% | 0.01% | 5.21% |
| MOHMolina Healthcare Inc_None_0 | 4.13% | 0.01% | 4.12% |
| QCOMQualcomm Inc. | 3.88% | 0.22% | 3.66% |
| ALKTAlkami Technology Inc Ser F Pc Pp | 3.83% | 0.00% | 3.83% |
| SPSCSps Commerce Inc | 3.49% | 0.00% | 3.49% |
| LOPEGrand Canyon Education Inc | 3.38% | 0.01% | 3.37% |
| RPAYRepay Holdings Pipe | 3.29% | 0.00% | 3.29% |
| EEFTEuronet Worldwide, Inc. | 3.01% | 0.00% | 3.01% |
| VSTVistra Energy Corp. | 2.91% | 0.07% | 2.84% |
| OPCHOption Care Health Inc | 2.87% | 0.01% | 2.86% |
99.7% of SOVF 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, SOVF or VTI?
SOVF has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option, by $72 a year on a $10,000 investment.
Which performed better, SOVF or VTI?
Over the past year SOVF returned +0.96% vs +18.17% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SOVF or VTI?
SOVF has been the more volatile fund at 17.1% annualized versus 12.7% for VTI. Worst drawdown: SOVF -21.7% vs VTI -19.3%.
Should I hold both SOVF and VTI?
SOVF and VTI have a monthly-return correlation of 0.73, 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 SOVF and VTI?
99.7% of SOVF's money is in holdings VTI also owns. 4.5% of VTI's is in holdings SOVF also owns. They hold 78 positions in common, counted across the 80 positions we hold weights for in SOVF and 3,463 in VTI.
Which pays a higher dividend, SOVF or VTI?
SOVF yields 0.70% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than SOVF?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 36.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.