TDSC vs VTI
ETC Cabana Target Drawdown 10 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TDSC or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 99.8%.
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 | TDSC | VTI |
|---|---|---|
| Expense Ratio | 0.90% | 0.03%Best |
| AUM | $105M | $666.9B |
| Dividend Yield | 1.56% | 1.03% |
| Holdings | 11 | 3,543 |
| YTD Return | +11.16%Best | +11.06% |
| 1Y Return | +13.06% | +15.41%Best |
| 3Y Return (annualized) | +11.43% | +20.48%Best |
| 5Y Return (annualized) | +2.43% | +11.52%Best |
| Volatility (annualized) | 9.5%Best | 15.7% |
| Max Drawdown | -21.5%Best | -25.4% |
| $10,000 over 5 years | $11,276 | $17,249Best |
| Top 10 Weight | 99.8% | 33.3%Best |
| Fund Family | The Cabana Group, LLC | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Sep 16, 2020 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Sep 17, 2020 to Sep 16, 2026 (6 years).
TDSC 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 6 years both funds cover.
TDSC vs VTI Performance
ETC Cabana Target Drawdown 10 ETF (TDSC) is an ETF from The Cabana Group, LLC and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TDSC returned +13.06% while VTI returned +15.41%. Year to date, TDSC is up 11.16% versus a gain of 11.06% for VTI.
Over three years, TDSC compounded at +11.43% per year against +20.48% for VTI; over five years the annualized figures are +2.43% and +11.52% respectively. Across the full 6-year window we track, VTI has the edge at +15.29% annualized vs +3.89%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 9.5% for TDSC. 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 -21.5% for TDSC and -25.4% 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TDSC charges 0.90% per year while VTI charges 0.03%. On a $10,000 position that is $90 vs $3 annually, a gap of $87 per year that compounds over a long holding period. On income, TDSC currently yields 1.56% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 10 holdings in TDSC and 3,463 in VTI, totalling 99.8% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 10 positions we hold weights for in TDSC and 3,463 in VTI, against full books of 11 and 3,543.
What only one of them owns
Measured across the 10 and 3,463 positions we hold weights for.
VTI holds 1,150 positions TDSC does not, 97.5% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
You are not choosing between two funds in isolation.
Whichever of TDSC 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, TDSC or VTI?
TDSC has an expense ratio of 0.90% while VTI charges 0.03%. VTI is the cheaper option, by $87 a year on a $10,000 investment.
Which performed better, TDSC or VTI?
Over the past year TDSC returned +13.06% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), TDSC annualized +3.89% vs +15.29% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TDSC or VTI?
VTI has been the more volatile fund at 15.7% annualized versus 9.5% for TDSC. Worst drawdown: TDSC -21.5% vs VTI -25.4%.
Should I hold both TDSC and VTI?
TDSC and VTI have a monthly-return correlation of 0.72, 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, TDSC or VTI?
TDSC yields 1.56% while VTI yields 1.03%, so TDSC currently pays the higher dividend yield.
Is VTI better than TDSC?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 99.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.