ACP vs VTI
ACP vs VTI
Abrdn Income Credit Strategies Fund 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 | ACP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 2.86% | 0.03% | |
| AUM | $805M | $663.5B | |
| Dividend Yield | 16.88% | 1.07% | |
| Holdings | 214 | 3,543 | |
| YTD Return | +2.65% | +11.83% | |
| 1Y Return | -0.14% | +21.79% | |
| 3Y Return (annualized) | +6.94% | +20.40% | |
| 5Y Return (annualized) | -0.05% | +11.96% | |
| Volatility (annualized) | 19.7% | 15.3% | |
| Max Drawdown | -70.9% | -56.6% | |
| Fund Family | Aberdeen | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 27, 2011 | May 24, 2001 |
ACP vs VTI Performance
Abrdn Income Credit Strategies Fund (ACP) is a ETF from Aberdeen and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ACP returned -0.14% while VTI returned +21.79%. Year to date, ACP is up 2.65% versus a gain of 11.83% for VTI.
Over three years, ACP compounded at +6.94% per year against +20.40% for VTI; over five years the annualized figures are -0.05% and +11.96% respectively. Across the full 16-year window we track, VTI has the edge at +8.06% annualized vs -3.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACP has been the more volatile fund, with annualized monthly volatility of 19.7% 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 -70.9% for ACP 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ACP charges 2.86% per year while VTI charges 0.03%. On a $10,000 position that is $286 vs $3 annually, a gap of $283 per year that compounds over a long holding period. On income, ACP currently yields 16.88% against 1.07% for VTI.
Holdings Overlap
ACP and VTI share 0 holdings out of 2864 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, ACP or VTI?
ACP has an expense ratio of 2.86% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $283 per year of difference.
Which performed better, ACP or VTI?
Over the past year ACP returned -0.14% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), ACP annualized -3.34% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, ACP or VTI?
ACP has been the more volatile fund at 19.7% annualized versus 15.3% for VTI. Worst drawdown: ACP -70.9% vs VTI -56.6%.
Should I hold both ACP and VTI?
ACP and VTI have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ACP and VTI?
ACP and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2864 unique securities.
Which pays a higher dividend, ACP or VTI?
ACP yields 16.88% while VTI yields 1.07%, so ACP currently pays the higher dividend yield.
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