CARY vs VTI
CARY vs VTI
Angel Oak Income 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 | CARY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $1.4B | $663.5B | |
| Dividend Yield | 6.28% | 1.07% | |
| Holdings | 1,330 | 3,543 | |
| YTD Return | +1.79% | +13.92% | |
| 1Y Return | +4.62% | +24.07% | |
| 3Y Return (annualized) | +7.07% | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 2.7% | 15.3% | |
| Max Drawdown | -1.7% | -56.6% | |
| Fund Family | Angel Oak Capital Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2022 | May 24, 2001 |
CARY vs VTI Performance
Angel Oak Income ETF (CARY) is a ETF from Angel Oak Capital Advisors and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CARY returned +4.62% while VTI returned +24.07%. Year to date, CARY is up 1.79% versus a gain of 13.92% for VTI.
Over three years, CARY compounded at +7.07% per year against +20.88% for VTI. Across the full 4-year window we track, VTI has the edge at +8.13% annualized vs +7.03%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.7% for CARY. 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 -1.7% for CARY 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
CARY 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, CARY currently yields 6.28% against 1.07% for VTI.
Holdings Overlap
CARY and VTI share 0 holdings out of 3046 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, CARY or VTI?
CARY has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, CARY or VTI?
Over the past year CARY returned +4.62% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), CARY annualized +7.03% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, CARY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.7% for CARY. Worst drawdown: CARY -1.7% vs VTI -56.6%.
Should I hold both CARY and VTI?
CARY 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 CARY and VTI?
CARY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3046 unique securities.
Which pays a higher dividend, CARY or VTI?
CARY yields 6.28% while VTI yields 1.07%, so CARY currently pays the higher dividend yield.
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