DCRE vs VTI
DCRE vs VTI
DoubleLine Commercial Real Estate Debt 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 | DCRE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $458M | $663.5B | |
| Dividend Yield | 4.74% | 1.07% | |
| Holdings | 259 | 3,543 | |
| YTD Return | +1.45% | +11.83% | |
| 1Y Return | +3.55% | +21.79% | |
| 3Y Return (annualized) | +5.86% | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 1.4% | 15.3% | |
| Max Drawdown | -0.8% | -56.6% | |
| Fund Family | DoubleLine Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 31, 2023 | May 24, 2001 |
DCRE vs VTI Performance
DoubleLine Commercial Real Estate Debt ETF (DCRE) is a ETF from DoubleLine Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DCRE returned +3.55% while VTI returned +21.79%. Year to date, DCRE is up 1.45% versus a gain of 11.83% for VTI.
Over three years, DCRE compounded at +5.86% per year against +20.40% for VTI. Across the full 3-year window we track, VTI has the edge at +8.06% annualized vs +5.86%. 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 1.4% for DCRE. 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 -0.8% for DCRE 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DCRE charges 0.39% per year while VTI charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, DCRE currently yields 4.74% against 1.07% for VTI.
Holdings Overlap
DCRE and VTI share 0 holdings out of 2864 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, DCRE or VTI?
DCRE has an expense ratio of 0.39% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, DCRE or VTI?
Over the past year DCRE returned +3.55% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), DCRE annualized +5.86% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, DCRE or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.4% for DCRE. Worst drawdown: DCRE -0.8% vs VTI -56.6%.
Should I hold both DCRE and VTI?
DCRE and VTI have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DCRE and VTI?
DCRE and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2864 unique securities.
Which pays a higher dividend, DCRE or VTI?
DCRE yields 4.74% while VTI yields 1.07%, so DCRE currently pays the higher dividend yield.
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