CRTC vs VTI
Xtrackers US National Critical Technologies ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CRTC or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.93. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 39.5%.
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 | CRTC | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $165M | $689.2B |
| Dividend Yield | 0.93% | 1.06% |
| Holdings | 420 | 3,524 |
| YTD Return | +14.18%Best | +13.02% |
| 1Y Return | +16.11% | +16.63%Best |
| 3Y Return (annualized) | +20.38% | +21.97%Best |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 11.7%Best | 11.9% |
| Max Drawdown | -19.1%Best | -19.3% |
| $10,000 over 2.9 years | $17,124 | $17,561Best |
| Top 10 Weight | 39.5% | 33.5%Best |
| Fund Family | Xtrackers ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Nov 16, 2023 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Nov 16, 2023 to Oct 14, 2026 (2.9 years).
CRTC 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 covers the 2.9 years both funds cover.
CRTC vs VTI Performance
Xtrackers US National Critical Technologies ETF (CRTC) is an ETF from Xtrackers ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CRTC returned +16.11% while VTI returned +16.63%. Year to date, CRTC is up 14.18% versus a gain of 13.02% for VTI.
Over three years, CRTC compounded at +20.38% per year against +21.97% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 11.9% compared with 11.7% for CRTC. 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 -19.1% for CRTC and -19.3% 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
CRTC charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, CRTC currently yields 0.93% against 1.06% for VTI.
Holdings Overlap
88.8% of CRTC's money is in holdings VTI also owns. 38.3% of VTI's money is in holdings CRTC also owns.
Most of CRTC is already inside VTI. Owning both mostly buys the same companies twice.
134 positions in common, counted across the 207 positions we hold weights for in CRTC and 3,441 in VTI, against full books of 420 and 3,524.
What only one of them owns
Our book lists 1,022 positions for VTI that do not appear in our book for CRTC (59.3% of the fund), and 5 for CRTC that do not appear in VTI (0.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in CRTC | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 5.06% | 6.88% | 1.82% |
| MSFTMicrosoft Corp | 6.12% | 5.11% | 1.01% |
| AMZNAmazon.Com Inc | 5.16% | 3.41% | 1.75% |
| GOOGLAlphabet Inc | 5.04% | 2.70% | 2.34% |
| METAMeta Platforms Inc | 5.28% | 1.70% | 3.58% |
| AMDAdvanced Micro Devices Inc | 3.66% | 1.04% | 2.62% |
| XOMExxonmobil Corp. | 3.12% | 0.90% | 2.22% |
| ABBVAbbvie Inc. | 2.11% | 0.61% | 1.50% |
| CSCOCisco Systems Inc. - Ordinary Shares | 1.98% | 0.53% | 1.45% |
| CVXChevron Corp | 1.92% | 0.53% | 1.39% |
88.8% of CRTC is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CRTC or VTI?
CRTC has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, CRTC or VTI?
Over the past year CRTC returned +16.11% vs +16.63% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CRTC or VTI?
VTI has been the more volatile fund at 11.9% annualized versus 11.7% for CRTC. Worst drawdown: CRTC -19.1% vs VTI -19.3%.
Should I hold both CRTC and VTI?
CRTC and VTI have a monthly-return correlation of 0.93, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between CRTC and VTI?
88.8% of CRTC's money is in holdings VTI also owns. 38.3% of VTI's is in holdings CRTC also owns. They hold 134 positions in common, counted across the 207 positions we hold weights for in CRTC and 3,441 in VTI.
Which pays a higher dividend, CRTC or VTI?
CRTC yields 0.93% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than CRTC?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.93. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 39.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.