UTF vs VTI
UTF vs VTI
Cohen & Steers Infrastructure Fund Inc vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | UTF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 3.42% | 0.03% | |
| AUM | $3,053.86 | $663.5B | |
| Dividend Yield | 6.75% | 1.07% | |
| Holdings | 297 | 3,543 | |
| YTD Return | +16.12% | +14.20% | |
| 1Y Return | +8.19% | +24.16% | |
| 3Y Return (annualized) | +14.35% | +21.12% | |
| 5Y Return (annualized) | +6.56% | +12.37% | |
| Volatility (annualized) | 20.2% | 15.3% | |
| Max Drawdown | -76.7% | -56.6% | |
| Fund Family | Cohen & Steers Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 30, 2004 | May 24, 2001 |
UTF vs VTI Performance
Cohen & Steers Infrastructure Fund Inc (UTF) is a ETF from Cohen & Steers Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UTF returned +8.19% while VTI returned +24.16%. Year to date, UTF is up 16.12% versus a gain of 14.20% for VTI.
Over three years, UTF compounded at +14.35% per year against +21.12% for VTI; over five years the annualized figures are +6.56% and +12.37% respectively. Across the full 22-year window we track, VTI has the edge at +8.14% annualized vs +3.26%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UTF has been the more volatile fund, with annualized monthly volatility of 20.2% 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 -76.7% for UTF 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UTF charges 3.42% per year while VTI charges 0.03%. On a $10,000 position that is $342 vs $3 annually, a gap of $339 per year that compounds over a long holding period. On income, UTF currently yields 6.75% against 1.07% for VTI.
Holdings Overlap
UTF and VTI share 29 holdings out of 2996 unique holdings combined, representing a 2.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in UTF | Weight in VTI | Difference |
|---|---|---|---|
| NEE | 7.03% | 0.25% | 6.78% |
| NI | 4.23% | 0.03% | 4.20% |
| CSX | 3.29% | 0.12% | 3.17% |
| DUK | Pro | Pro | Pro |
| AMT | Pro | Pro | Pro |
| PPL | Pro | Pro | Pro |
| LNT | Pro | Pro | Pro |
| CCI | Pro | Pro | Pro |
| UNP | Pro | Pro | Pro |
| SO | Pro | Pro | Pro |
See all 10 holdings UTF shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, UTF or VTI?
UTF has an expense ratio of 3.42% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $339 per year of difference.
Which performed better, UTF or VTI?
Over the past year UTF returned +8.19% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (22 years), UTF annualized +3.26% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, UTF or VTI?
UTF has been the more volatile fund at 20.2% annualized versus 15.3% for VTI. Worst drawdown: UTF -76.7% vs VTI -56.6%.
Should I hold both UTF and VTI?
UTF and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UTF and VTI?
UTF and VTI share 29 common holdings with a 2.0% weight overlap. Combined, they hold 2996 unique securities.
Which pays a higher dividend, UTF or VTI?
UTF yields 6.75% while VTI yields 1.07%, so UTF currently pays the higher dividend yield.
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