CLOA vs VTI
CLOA vs VTI
iShares AAA CLO Active 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 | CLOA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $2.2B | $663.5B | |
| Dividend Yield | 4.95% | 1.07% | |
| Holdings | 433 | 3,543 | |
| YTD Return | +2.41% | +13.92% | |
| 1Y Return | +4.70% | +24.07% | |
| 3Y Return (annualized) | +7.63% | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 1.3% | 15.3% | |
| Max Drawdown | -1.3% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 10, 2023 | May 24, 2001 |
CLOA vs VTI Performance
iShares AAA CLO Active ETF (CLOA) is a ETF from BlackRock, Inc. (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CLOA returned +4.70% while VTI returned +24.07%. Year to date, CLOA is up 2.41% versus a gain of 13.92% for VTI.
Over three years, CLOA compounded at +7.63% per year against +20.88% for VTI. Across the full 4-year window we track, VTI has the edge at +8.13% annualized vs +7.80%. 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 1.3% for CLOA. 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 -1.3% for CLOA 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CLOA 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, CLOA currently yields 4.95% against 1.07% for VTI.
Holdings Overlap
CLOA and VTI share 0 holdings out of 2823 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, CLOA or VTI?
CLOA 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, CLOA or VTI?
Over the past year CLOA returned +4.70% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), CLOA annualized +7.80% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, CLOA or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.3% for CLOA. Worst drawdown: CLOA -1.3% vs VTI -56.6%.
Should I hold both CLOA and VTI?
CLOA and VTI have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CLOA and VTI?
CLOA and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2823 unique securities.
Which pays a higher dividend, CLOA or VTI?
CLOA yields 4.95% while VTI yields 1.07%, so CLOA currently pays the higher dividend yield.
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