JCPI vs VTI
JCPI vs VTI
JPMorgan Inflation Managed 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 | JCPI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $869M | $663.5B | |
| Dividend Yield | 3.81% | 1.07% | |
| Holdings | 764 | 3,543 | |
| YTD Return | +0.43% | +13.92% | |
| 1Y Return | +1.53% | +24.07% | |
| 3Y Return (annualized) | +4.84% | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 5.2% | 15.3% | |
| Max Drawdown | -7.8% | -56.6% | |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 8, 2022 | May 24, 2001 |
JCPI vs VTI Performance
JPMorgan Inflation Managed Bond ETF (JCPI) is a ETF from J.P. Morgan Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year JCPI returned +1.53% while VTI returned +24.07%. Year to date, JCPI is up 0.43% versus a gain of 13.92% for VTI.
Over three years, JCPI compounded at +4.84% per year against +20.88% for VTI. Across the full 4-year window we track, VTI has the edge at +8.13% annualized vs +2.67%. 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 5.2% for JCPI. 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 -7.8% for JCPI 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JCPI charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, JCPI currently yields 3.81% against 1.07% for VTI.
Holdings Overlap
JCPI and VTI share 0 holdings out of 3227 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, JCPI or VTI?
JCPI has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, JCPI or VTI?
Over the past year JCPI returned +1.53% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), JCPI annualized +2.67% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, JCPI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.2% for JCPI. Worst drawdown: JCPI -7.8% vs VTI -56.6%.
Should I hold both JCPI and VTI?
JCPI and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JCPI and VTI?
JCPI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3227 unique securities.
Which pays a higher dividend, JCPI or VTI?
JCPI yields 3.81% while VTI yields 1.07%, so JCPI currently pays the higher dividend yield.
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