TIME vs VTI
Clockwise US Core Equity 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 | TIME | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.96% | 0.03% | |
| AUM | $16M | $666.9B | |
| Dividend Yield | 9.41% | 1.07% | |
| Holdings | 46 | 3,543 | |
| YTD Return | +7.79% | +13.48% | |
| 1Y Return | +13.74% | +19.90% | |
| 3Y Return (annualized) | +16.28% | +20.94% | |
| 5Y Return (annualized) | - | +11.75% | |
| Volatility (annualized) | 24.6% | 15.3% | |
| Max Drawdown | -42.2% | -56.6% | |
| Fund Family | Clockwise Capital | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 27, 2022 | May 24, 2001 |
TIME vs VTI Performance
Clockwise US Core Equity ETF (TIME) is a ETF from Clockwise Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TIME returned +13.74% while VTI returned +19.90%. Year to date, TIME is up 7.79% versus a gain of 13.48% for VTI.
Over three years, TIME compounded at +16.28% per year against +20.94% for VTI. Across the full 5-year window we track, VTI has the edge at +8.10% annualized vs +7.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TIME has been the more volatile fund, with annualized monthly volatility of 24.6% compared with 15.3% 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 -42.2% for TIME 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TIME charges 0.96% per year while VTI charges 0.03%. On a $10,000 position that is $96 vs $3 annually, a gap of $93 per year that compounds over a long holding period. On income, TIME currently yields 9.41% against 1.07% for VTI.
Holdings Overlap
TIME and VTI share 33 holdings out of 2796 unique holdings combined, representing a 36.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TIME or VTI?
TIME has an expense ratio of 0.96% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $93 per year of difference.
Which performed better, TIME or VTI?
Over the past year TIME returned +13.74% vs +19.90% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), TIME annualized +7.75% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, TIME or VTI?
TIME has been the more volatile fund at 24.6% annualized versus 15.3% for VTI. Worst drawdown: TIME -42.2% vs VTI -56.6%.
Should I hold both TIME and VTI?
TIME and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TIME and VTI?
TIME and VTI share 33 common holdings with a 36.0% weight overlap. Combined, they hold 2796 unique securities.
Which pays a higher dividend, TIME or VTI?
TIME yields 9.41% while VTI yields 1.07%, so TIME currently pays the higher dividend yield.
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