CPLS vs VTI
CPLS vs VTI
AB 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 | CPLS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $211M | $663.5B | |
| Dividend Yield | 4.70% | 1.07% | |
| Holdings | 810 | 3,543 | |
| YTD Return | -0.89% | +11.83% | |
| 1Y Return | +1.35% | +21.79% | |
| 3Y Return (annualized) | - | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 4.2% | 15.3% | |
| Max Drawdown | -4.1% | -56.6% | |
| Fund Family | AllianceBernstein L.P. | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 13, 2023 | May 24, 2001 |
CPLS vs VTI Performance
AB Core Plus Bond ETF (CPLS) is a ETF from AllianceBernstein L.P. and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CPLS returned +1.35% while VTI returned +21.79%. Year to date, CPLS is down 0.89% versus a gain of 11.83% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.2% for CPLS. 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 -4.1% for CPLS 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 0.43. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPLS 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, CPLS currently yields 4.70% against 1.07% for VTI.
Holdings Overlap
CPLS and VTI share 0 holdings out of 3183 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, CPLS or VTI?
CPLS 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, CPLS or VTI?
Over the past year CPLS returned +1.35% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), CPLS annualized +3.52% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, CPLS or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.2% for CPLS. Worst drawdown: CPLS -4.1% vs VTI -56.6%.
Should I hold both CPLS and VTI?
CPLS and VTI have a monthly-return correlation of 0.43, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPLS and VTI?
CPLS and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3183 unique securities.
Which pays a higher dividend, CPLS or VTI?
CPLS yields 4.70% while VTI yields 1.07%, so CPLS currently pays the higher dividend yield.
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