VPC vs VTI
Virtus Private Credit Strategy ETF 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 | VPC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 10.60% | 0.03% | |
| AUM | $30M | $663.5B | |
| Dividend Yield | 17.06% | 1.07% | |
| Holdings | 59 | 3,543 | |
| YTD Return | -7.12% | +14.16% | |
| 1Y Return | -11.13% | +23.62% | |
| 3Y Return (annualized) | +0.84% | +21.43% | |
| 5Y Return (annualized) | +1.62% | +12.33% | |
| Volatility (annualized) | 20.4% | 15.3% | |
| Max Drawdown | -55.3% | -56.6% | |
| Fund Family | Virtus Investment Partners | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 7, 2019 | May 24, 2001 |
VPC vs VTI Performance
Virtus Private Credit Strategy ETF (VPC) is a ETF from Virtus Investment Partners and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year VPC returned -11.13% while VTI returned +23.62%. Year to date, VPC is down 7.12% versus a gain of 14.16% for VTI.
Over three years, VPC compounded at +0.84% per year against +21.43% for VTI; over five years the annualized figures are +1.62% and +12.33% respectively. Across the full 8-year window we track, VTI has the edge at +8.14% annualized vs +1.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VPC has been the more volatile fund, with annualized monthly volatility of 20.4% 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 -55.3% for VPC 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
VPC charges 10.60% per year while VTI charges 0.03%. On a $10,000 position that is $1060 vs $3 annually, a gap of $1057 per year that compounds over a long holding period. On income, VPC currently yields 17.06% against 1.07% for VTI.
Holdings Overlap
VPC and VTI share 0 holdings out of 2841 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VPC or VTI?
VPC has an expense ratio of 10.60% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $1057 per year of difference.
Which performed better, VPC or VTI?
Over the past year VPC returned -11.13% vs +23.62% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), VPC annualized +1.75% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, VPC or VTI?
VPC has been the more volatile fund at 20.4% annualized versus 15.3% for VTI. Worst drawdown: VPC -55.3% vs VTI -56.6%.
Should I hold both VPC and VTI?
VPC 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 VPC and VTI?
VPC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2841 unique securities.
Which pays a higher dividend, VPC or VTI?
VPC yields 17.06% while VTI yields 1.07%, so VPC currently pays the higher dividend yield.
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