CPLB vs VTI
CPLB vs VTI
NYLI MacKay Core Plus 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 | CPLB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $376M | $663.5B | |
| Dividend Yield | 5.96% | 1.07% | |
| Holdings | 796 | 3,543 | |
| YTD Return | +0.34% | +10.14% | |
| 1Y Return | +3.51% | +19.82% | |
| 3Y Return (annualized) | +5.22% | +18.94% | |
| 5Y Return (annualized) | +0.27% | +11.79% | |
| Volatility (annualized) | 6.6% | 15.4% | |
| Max Drawdown | -19.0% | -56.6% | |
| Fund Family | INDEXIQ ETF TRUST | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 29, 2021 | May 24, 2001 |
CPLB vs VTI Performance
NYLI MacKay Core Plus Bond ETF (CPLB) is a ETF from INDEXIQ ETF TRUST and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CPLB returned +3.51% while VTI returned +19.82%. Year to date, CPLB is up 0.34% versus a gain of 10.14% for VTI.
Over three years, CPLB compounded at +5.22% per year against +18.94% for VTI; over five years the annualized figures are +0.27% and +11.79% respectively. Across the full 5-year window we track, VTI has the edge at +7.99% annualized vs +0.56%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 6.6% for CPLB. 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 -19.0% for CPLB 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPLB charges 0.30% per year while VTI charges 0.03%. On a $10,000 position that is $30 vs $3 annually, a gap of $27 per year that compounds over a long holding period. On income, CPLB currently yields 5.96% against 1.07% for VTI.
Holdings Overlap
CPLB and VTI share 1 holdings out of 3201 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in CPLB | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.14% | 0.02% | 0.12% |
Frequently Asked Questions
Which is cheaper, CPLB or VTI?
CPLB has an expense ratio of 0.30% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
Which performed better, CPLB or VTI?
Over the past year CPLB returned +3.51% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), CPLB annualized +0.56% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, CPLB or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 6.6% for CPLB. Worst drawdown: CPLB -19.0% vs VTI -56.6%.
Should I hold both CPLB and VTI?
CPLB and VTI have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPLB and VTI?
CPLB and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3201 unique securities.
Which pays a higher dividend, CPLB or VTI?
CPLB yields 5.96% while VTI yields 1.07%, so CPLB currently pays the higher dividend yield.
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