OWNS vs VTI
OWNS vs VTI
CCM Affordable Housing MBS 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 | OWNS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $105M | $663.5B | |
| Dividend Yield | 4.31% | 1.07% | |
| Holdings | 237 | 3,543 | |
| YTD Return | -0.06% | +13.39% | |
| 1Y Return | +3.29% | +23.21% | |
| 3Y Return (annualized) | +4.23% | +20.65% | |
| 5Y Return (annualized) | +0.08% | +12.18% | |
| Volatility (annualized) | 6.7% | 15.3% | |
| Max Drawdown | -17.1% | -56.6% | |
| Fund Family | Impact shares | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 27, 2021 | May 24, 2001 |
OWNS vs VTI Performance
CCM Affordable Housing MBS ETF (OWNS) is a ETF from Impact shares and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year OWNS returned +3.29% while VTI returned +23.21%. Year to date, OWNS is down 0.06% versus a gain of 13.39% for VTI.
Over three years, OWNS compounded at +4.23% per year against +20.65% for VTI; over five years the annualized figures are +0.08% and +12.18% respectively. Across the full 5-year window we track, VTI has the edge at +8.11% annualized vs +0.04%. 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 6.7% for OWNS. 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 -17.1% for OWNS 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OWNS 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, OWNS currently yields 4.31% against 1.07% for VTI.
Holdings Overlap
OWNS and VTI share 0 holdings out of 2794 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, OWNS or VTI?
OWNS 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, OWNS or VTI?
Over the past year OWNS returned +3.29% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), OWNS annualized +0.04% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, OWNS or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.7% for OWNS. Worst drawdown: OWNS -17.1% vs VTI -56.6%.
Should I hold both OWNS and VTI?
OWNS and VTI have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OWNS and VTI?
OWNS and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2794 unique securities.
Which pays a higher dividend, OWNS or VTI?
OWNS yields 4.31% while VTI yields 1.07%, so OWNS currently pays the higher dividend yield.
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