UDI vs VTI
USCF Dividend Income Fund vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. UDI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | UDI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $4M | $666.9B | |
| Dividend Yield | 2.56% | 1.07% | |
| Holdings | 43 | 3,543 | |
| YTD Return | +18.48% | +13.14% | |
| 1Y Return | +25.66% | +22.35% | |
| 3Y Return (annualized) | +19.08% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 13.3% | 15.3% | |
| Max Drawdown | -14.2% | -56.6% | |
| Fund Family | USCF Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 8, 2022 | May 24, 2001 |
UDI vs VTI Performance
USCF Dividend Income Fund (UDI) is a ETF from USCF Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UDI returned +25.66% while VTI returned +22.35%. Year to date, UDI is up 18.48% versus a gain of 13.14% for VTI.
Over three years, UDI compounded at +19.08% per year against +21.83% for VTI. Across the full 4-year window we track, UDI has the edge at +14.17% annualized vs +8.09%. 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 13.3% for UDI. 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 -14.2% for UDI 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
UDI charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, UDI currently yields 2.56% against 1.07% for VTI.
Holdings Overlap
UDI and VTI share 33 holdings out of 2795 unique holdings combined, representing a 1.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, UDI or VTI?
UDI has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, UDI or VTI?
Over the past year UDI returned +25.66% vs +22.35% for VTI, so UDI leads on 1-year performance. Over the longest common window we track (4 years), UDI annualized +14.17% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, UDI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.3% for UDI. Worst drawdown: UDI -14.2% vs VTI -56.6%.
Should I hold both UDI and VTI?
UDI and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UDI and VTI?
UDI and VTI share 33 common holdings with a 1.7% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, UDI or VTI?
UDI yields 2.56% while VTI yields 1.07%, so UDI currently pays the higher dividend yield.
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