CVSB vs VTI
CVSB vs VTI
Calvert Ultra-Short Investment Grade 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 | CVSB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.24% | 0.03% | |
| AUM | $221M | $663.5B | |
| Dividend Yield | 4.96% | 1.07% | |
| Holdings | 246 | 3,543 | |
| YTD Return | +2.21% | +13.39% | |
| 1Y Return | +4.28% | +23.21% | |
| 3Y Return (annualized) | +5.40% | +20.65% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 0.6% | 15.3% | |
| Max Drawdown | -0.6% | -56.6% | |
| Fund Family | Calvert | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 30, 2023 | May 24, 2001 |
CVSB vs VTI Performance
Calvert Ultra-Short Investment Grade ETF (CVSB) is a ETF from Calvert and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CVSB returned +4.28% while VTI returned +23.21%. Year to date, CVSB is up 2.21% versus a gain of 13.39% for VTI.
Over three years, CVSB compounded at +5.40% per year against +20.65% for VTI. Across the full 4-year window we track, VTI has the edge at +8.11% annualized vs +5.35%. 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 0.6% for CVSB. 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 -0.6% for CVSB 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 0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CVSB charges 0.24% per year while VTI charges 0.03%. On a $10,000 position that is $24 vs $3 annually, a gap of $21 per year that compounds over a long holding period. On income, CVSB currently yields 4.96% against 1.07% for VTI.
Holdings Overlap
CVSB and VTI share 0 holdings out of 2909 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, CVSB or VTI?
CVSB has an expense ratio of 0.24% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $21 per year of difference.
Which performed better, CVSB or VTI?
Over the past year CVSB returned +4.28% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), CVSB annualized +5.35% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, CVSB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.6% for CVSB. Worst drawdown: CVSB -0.6% vs VTI -56.6%.
Should I hold both CVSB and VTI?
CVSB and VTI have a monthly-return correlation of 0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CVSB and VTI?
CVSB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2909 unique securities.
Which pays a higher dividend, CVSB or VTI?
CVSB yields 4.96% while VTI yields 1.07%, so CVSB currently pays the higher dividend yield.
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