CPHY vs VTI
CPHY vs VTI
F/m Compoundr High Yield Bond 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 | CPHY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $3M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | +0.90% | +13.57% | |
| 1Y Return | +3.24% | +24.23% | |
| 3Y Return (annualized) | - | +20.73% | |
| 5Y Return (annualized) | - | +12.24% | |
| Volatility (annualized) | 2.7% | 15.3% | |
| Max Drawdown | -2.5% | -56.6% | |
| Fund Family | F-m investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 12, 2025 | May 24, 2001 |
CPHY vs VTI Performance
F/m Compoundr High Yield Bond ETF (CPHY) is a ETF from F-m investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CPHY returned +3.24% while VTI returned +24.23%. Year to date, CPHY is up 0.90% versus a gain of 13.57% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.7% for CPHY. 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 -2.5% for CPHY 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CPHY charges 0.50% per year while VTI charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, CPHY currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
CPHY and VTI share 0 holdings out of 2785 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, CPHY or VTI?
CPHY has an expense ratio of 0.50% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, CPHY or VTI?
Over the past year CPHY returned +3.24% vs +24.23% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, CPHY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.7% for CPHY. Worst drawdown: CPHY -2.5% vs VTI -56.6%.
Should I hold both CPHY and VTI?
CPHY and VTI have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPHY and VTI?
CPHY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, CPHY or VTI?
CPHY yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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