CVAR vs VTI
Cultivar ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, CVAR or VTI?
Mid Cap Value against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. CVAR is less concentrated, with 25.1% of the fund in its ten largest positions against 33.5%.
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 | CVAR | VTI |
|---|---|---|
| Expense Ratio | 0.87% | 0.03%Best |
| AUM | $45M | $689.2B |
| Dividend Yield | 1.37% | 1.06% |
| Holdings | 271 | 3,524 |
| YTD Return | +8.68% | +13.02%Best |
| 1Y Return | +10.09% | +16.63%Best |
| 3Y Return (annualized) | +12.44% | +21.97%Best |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 15.8%Best | 15.9% |
| Max Drawdown | -19.4%Best | -25.4% |
| $10,000 over 4.8 years | $13,535 | $16,775Best |
| Top 10 Weight | 25.1%Best | 33.5% |
| Fund Family | Cultivar ETF | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Blend |
| Inception | Dec 22, 2021 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 4.8 years row, are measured over the window both funds cover: Dec 23, 2021 to Oct 14, 2026 (4.8 years).
CVAR 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 4.8 years both funds cover.
CVAR vs VTI Performance
Cultivar ETF (CVAR) is an ETF from Cultivar ETF and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year CVAR returned +10.09% while VTI returned +16.63%. Year to date, CVAR is up 8.68% versus a gain of 13.02% for VTI.
Over three years, CVAR compounded at +12.44% 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 15.9% compared with 15.8% for CVAR. 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 -19.4% for CVAR and -25.4% 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CVAR charges 0.87% per year while VTI charges 0.03%. On a $10,000 position that is $87 vs $3 annually, a gap of $84 per year that compounds over a long holding period. On income, CVAR currently yields 1.37% against 1.06% for VTI.
Holdings Overlap
81.7% of CVAR's money is in holdings VTI also owns. 4.2% of VTI's money is in holdings CVAR also owns.
Most of CVAR is already inside VTI. Owning both mostly buys the same companies twice.
75 positions in common, counted across the 90 positions we hold weights for in CVAR and 3,441 in VTI, against full books of 271 and 3,524.
What only one of them owns
Our book lists 1,097 positions for VTI that do not appear in our book for CVAR (93.4% of the fund), and 8 for CVAR that do not appear in VTI (11.2%).
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 CVAR | Weight in VTI | Difference |
|---|---|---|---|
| ILMNIllumina, Inc. | 2.71% | 0.04% | 2.67% |
| HCSGHealthcare Services Group Inc | 2.56% | 0.00% | 2.56% |
| KMBKimberly-Clark Corp. | 2.41% | 0.05% | 2.36% |
| PAYCPaycom Software Inc . | 2.35% | 0.01% | 2.34% |
| VEEVVeeva Systems Inc | 2.27% | 0.06% | 2.21% |
| AREAlexandria Real Estate Equities Inc. | 2.13% | 0.01% | 2.12% |
| CLBCore Laboratories Inc | 2.06% | 0.00% | 2.06% |
| HUMHumana Inc. | 1.99% | 0.06% | 1.93% |
| DGDollar General Corp. | 1.87% | 0.04% | 1.83% |
| QRVOQorvo Inc_None_0 | 1.82% | 0.01% | 1.81% |
81.7% of CVAR 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, CVAR or VTI?
CVAR has an expense ratio of 0.87% while VTI charges 0.03%. VTI is the cheaper option, by $84 a year on a $10,000 investment.
Which performed better, CVAR or VTI?
Over the past year CVAR returned +10.09% 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, CVAR or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 15.8% for CVAR. Worst drawdown: CVAR -19.4% vs VTI -25.4%.
Should I hold both CVAR and VTI?
CVAR and VTI have a monthly-return correlation of 0.73, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CVAR and VTI?
81.7% of CVAR's money is in holdings VTI also owns. 4.2% of VTI's is in holdings CVAR also owns. They hold 75 positions in common, counted across the 90 positions we hold weights for in CVAR and 3,441 in VTI.
Which pays a higher dividend, CVAR or VTI?
CVAR yields 1.37% while VTI yields 1.06%, so CVAR currently pays the higher dividend yield.
Is VTI better than CVAR?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. CVAR is less concentrated, with 25.1% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.