VCX vs VTI
Fundrise Innovation Fund LLC vs Vanguard Morningstar Total Stock Market ETF
Which is better, VCX or VTI?
VCX has been ahead.
VTI has a lower expense ratio. VCX led over 1Y.
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 | VCX | VTI |
|---|---|---|
| Expense Ratio | 3.19% | 0.03%Best |
| AUM | $678M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 28 | 3,543 |
| YTD Return | -58.76% | +12.30%Best |
| 1Y Return | - | +16.08% |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Fund Family | Fundrise | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jul 18, 2022 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
VCX 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
VCX vs VTI Performance
Fundrise Innovation Fund LLC (VCX) is an ETF from Fundrise and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, VCX is down 58.76% versus a gain of 12.30% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
VCX charges 3.19% per year while VTI charges 0.03%. On a $10,000 position that is $319 vs $3 annually, a gap of $316 per year that compounds over a long holding period. On income, VCX currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 2 holdings in VCX and 3,463 in VTI, totalling 1.6% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 166 days apart, VCX as of Feb 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 2 positions we hold weights for in VCX and 3,463 in VTI, against full books of 28 and 3,543.
You are not choosing between two funds in isolation.
Whichever of VCX and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VCX or VTI?
VCX has an expense ratio of 3.19% while VTI charges 0.03%. VTI is the cheaper option, by $316 a year on a $10,000 investment.
Which pays a higher dividend, VCX or VTI?
VCX yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than VCX?
VTI has a lower expense ratio. VCX led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.