TDSC vs VTI
ETC Cabana Target Drawdown 10 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 | TDSC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.90% | 0.03% | |
| AUM | $107M | $666.9B | |
| Dividend Yield | 1.61% | 1.07% | |
| Holdings | 11 | 3,543 | |
| YTD Return | +13.48% | +12.65% | |
| 1Y Return | +18.30% | +21.39% | |
| 3Y Return (annualized) | +12.35% | +21.54% | |
| 5Y Return (annualized) | +3.20% | +12.11% | |
| Volatility (annualized) | 9.6% | 15.3% | |
| Max Drawdown | -21.5% | -56.6% | |
| Fund Family | The Cabana Group, LLC | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 16, 2020 | May 24, 2001 |
TDSC vs VTI Performance
ETC Cabana Target Drawdown 10 ETF (TDSC) is a ETF from The Cabana Group, LLC and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TDSC returned +18.30% while VTI returned +21.39%. Year to date, TDSC is up 13.48% versus a gain of 12.65% for VTI.
Over three years, TDSC compounded at +12.35% per year against +21.54% for VTI; over five years the annualized figures are +3.20% and +12.11% respectively. Across the full 6-year window we track, VTI has the edge at +8.07% annualized vs +4.30%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.6% 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 -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 0.72. 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 1.61% against 1.07% for VTI.
Holdings Overlap
TDSC and VTI share 0 holdings out of 2797 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, TDSC or VTI?
TDSC has an expense ratio of 0.90% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $87 per year of difference.
Which performed better, TDSC or VTI?
Over the past year TDSC returned +18.30% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), TDSC annualized +4.30% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, TDSC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.6% for TDSC. Worst drawdown: TDSC -21.5% vs VTI -56.6%.
Should I hold both TDSC and VTI?
TDSC and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TDSC and VTI?
TDSC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, TDSC or VTI?
TDSC yields 1.61% while VTI yields 1.07%, so TDSC currently pays the higher dividend yield.
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