ACLO vs VTI
ACLO vs VTI
TCW AAA CLO 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 | ACLO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $335M | $663.5B | |
| Dividend Yield | 4.89% | 1.07% | |
| Holdings | 229 | 3,543 | |
| YTD Return | +2.92% | +10.14% | |
| 1Y Return | +5.15% | +19.82% | |
| 3Y Return (annualized) | - | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 0.7% | 15.4% | |
| Max Drawdown | -1.0% | -56.6% | |
| Fund Family | TCW ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 15, 2024 | May 24, 2001 |
ACLO vs VTI Performance
TCW AAA CLO ETF (ACLO) is a ETF from TCW ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ACLO returned +5.15% while VTI returned +19.82%. Year to date, ACLO is up 2.92% versus a gain of 10.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 0.7% for ACLO. 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 -1.0% for ACLO 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ACLO charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, ACLO currently yields 4.89% against 1.07% for VTI.
Holdings Overlap
ACLO and VTI share 0 holdings out of 2840 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, ACLO or VTI?
ACLO has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, ACLO or VTI?
Over the past year ACLO returned +5.15% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), ACLO annualized +5.42% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, ACLO or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 0.7% for ACLO. Worst drawdown: ACLO -1.0% vs VTI -56.6%.
Should I hold both ACLO and VTI?
ACLO and VTI have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ACLO and VTI?
ACLO and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2840 unique securities.
Which pays a higher dividend, ACLO or VTI?
ACLO yields 4.89% while VTI yields 1.07%, so ACLO currently pays the higher dividend yield.
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