CNCR vs VTI

CNCR vs VTI

Which is better, CNCR or VTI?

Small Cap Blend against Large Cap Blend.

VTI has a lower expense ratio. VTI led over 1Y and the full window.

Lower Fees: VTIHigher Returns: VTI

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

MetricCNCRVTI
Expense Ratio0.79%0.03%Best
AUM$7M$689.2B
Dividend Yield0.00%1.06%
Holdings673,524
Volatility (annualized)31.6%16.0%Best
Max Drawdown-75.8%-35.0%Best
$10,000 over 9.6 years$3,985$30,117Best
Fund FamilyLoncar InvestmentsVanguard (US)
CategoryEquityEquity
StyleSmall Cap BlendLarge Cap Blend
InceptionOct 13, 2015May 24, 2001

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.

The two price series end 505 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. CNCR has data through May 27, 2025 and VTI through Oct 14, 2026.

Volatility and max drawdown, and the $10,000 over 9.6 years row, are measured over the window both funds cover: Oct 14, 2015 to May 27, 2025 (9.6 years).

Risk: Volatility and Drawdowns

CNCR has been the more volatile fund, with annualized monthly volatility of 31.6% compared with 16.0% 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 -75.8% for CNCR and -35.0% 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 0.56. They move together some of the time, and apart the rest.

Fees and Cost Over Time

CNCR charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, CNCR currently yields 0.00% against 1.06% for VTI.

You are not choosing between two funds in isolation.

Whichever of CNCR and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

CNCRVTI

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, CNCR or VTI?

CNCR has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option, by $76 a year on a $10,000 investment.

Which is riskier, CNCR or VTI?

CNCR has been the more volatile fund at 31.6% annualized versus 16.0% for VTI. Worst drawdown: CNCR -75.8% vs VTI -35.0%.

Should I hold both CNCR and VTI?

CNCR and VTI have a monthly-return correlation of 0.56, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

Which pays a higher dividend, CNCR or VTI?

CNCR yields 0.00% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.

Is VTI better than CNCR?

VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.