FTCA vs VTI
FTCA vs VTI
Franklin California Municipal Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | FTCA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $564M | $663.5B | |
| Dividend Yield | 2.89% | 1.07% | |
| Holdings | 294 | 3,543 | |
| YTD Return | +0.71% | +11.83% | |
| 1Y Return | - | +21.79% | |
| 3Y Return (annualized) | - | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -2.9% | -56.6% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 29, 1993 | May 24, 2001 |
FTCA vs VTI Performance
Franklin California Municipal Income ETF (FTCA) is a ETF from Franklin Templeton Investments (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, FTCA is up 0.71% versus a gain of 11.83% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.9% for FTCA and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
FTCA charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, FTCA currently yields 2.89% against 1.07% for VTI.
Holdings Overlap
FTCA and VTI share 1 holdings out of 2843 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 FTCA | Weight in VTI | Difference |
|---|---|---|---|
| JPM | 0.03% | 1.11% | 1.08% |
Frequently Asked Questions
Which is cheaper, FTCA or VTI?
FTCA has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
What is the holdings overlap between FTCA and VTI?
FTCA and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2843 unique securities.
Which pays a higher dividend, FTCA or VTI?
FTCA yields 2.89% while VTI yields 1.07%, so FTCA currently pays the higher dividend yield.
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