TIME vs VTI
Clockwise US Core Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TIME 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 48.6%.
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 | TIME | VTI |
|---|---|---|
| Expense Ratio | 0.96% | 0.03%Best |
| AUM | $15M | $666.9B |
| Dividend Yield | 9.41% | 1.03% |
| Holdings | 43 | 3,543 |
| YTD Return | +10.13% | +12.30%Best |
| 1Y Return | +13.11% | +16.08%Best |
| 3Y Return (annualized) | +17.17% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 24.4% | 15.9%Best |
| Max Drawdown | -42.2% | -22.4%Best |
| $10,000 over 4.6 years | $14,345 | $17,927Best |
| Top 10 Weight | 48.6% | 33.3%Best |
| Fund Family | Clockwise Capital | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jan 27, 2022 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Jan 28, 2022 to Sep 18, 2026 (4.6 years).
TIME 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 4.6 years both funds cover.
TIME vs VTI Performance
Clockwise US Core Equity ETF (TIME) is an ETF from Clockwise Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TIME returned +13.11% while VTI returned +16.08%. Year to date, TIME is up 10.13% versus a gain of 12.30% for VTI.
Over three years, TIME compounded at +17.17% per year against +21.01% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TIME has been the more volatile fund, with annualized monthly volatility of 24.4% compared with 15.9% 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 -22.4% 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 0.84. 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 1.03% for VTI.
Holdings Overlap
82.5% of TIME's money is in holdings VTI also owns. 38.2% of VTI's money is in holdings TIME also owns.
Most of TIME is already inside VTI. Owning both mostly buys the same companies twice.
36 positions in common, counted across the 43 positions we hold weights for in TIME and 3,463 in VTI, against full books of 43 and 3,543.
What only one of them owns
Our book lists 1,114 positions for VTI that do not appear in our book for TIME (59.3% of the fund), and 6 for TIME that do not appear in VTI (15.6%).
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 TIME | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 10.43% | 6.29% | 4.14% |
| NVDANvidia Corp | 7.22% | 6.40% | 0.82% |
| MSFTMicrosoft Corp | 5.10% | 4.79% | 0.31% |
| GOOGLAlphabet Inc,class A | 4.07% | 2.90% | 1.17% |
| AMZNAmazon.Com Inc | 2.96% | 3.65% | 0.69% |
| AVGOBroadcom Inc | 3.81% | 2.56% | 1.25% |
| INTCIntel Corporation | 3.85% | 0.50% | 3.35% |
| AMDAdvanced Micro Devices Inc | 3.10% | 1.08% | 2.02% |
| TSLATesla Inc | 2.16% | 1.22% | 0.94% |
| XOMExxonmobil Holdings Corp Common Stock Usd | 2.20% | 0.89% | 1.31% |
82.5% of TIME 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, TIME or VTI?
TIME has an expense ratio of 0.96% while VTI charges 0.03%. VTI is the cheaper option, by $93 a year on a $10,000 investment.
Which performed better, TIME or VTI?
Over the past year TIME returned +13.11% vs +16.08% 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, TIME or VTI?
TIME has been the more volatile fund at 24.4% annualized versus 15.9% for VTI. Worst drawdown: TIME -42.2% vs VTI -22.4%.
Should I hold both TIME and VTI?
TIME and VTI have a monthly-return correlation of 0.84, 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 TIME and VTI?
82.5% of TIME's money is in holdings VTI also owns. 38.2% of VTI's is in holdings TIME also owns. They hold 36 positions in common, counted across the 43 positions we hold weights for in TIME and 3,463 in VTI.
Which pays a higher dividend, TIME or VTI?
TIME yields 9.41% while VTI yields 1.03%, so TIME currently pays the higher dividend yield.
Is VTI better than TIME?
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 48.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.