SMCP vs VTI
SMCP vs VTI
SMART Mid Cap 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 | SMCP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $4M | $663.5B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 103 | 3,543 | |
| YTD Return | +3.18% | +13.92% | |
| 1Y Return | +3.18% | +24.07% | |
| 3Y Return (annualized) | -1.67% | +20.88% | |
| 5Y Return (annualized) | -2.92% | +12.47% | |
| Volatility (annualized) | 21.0% | 15.3% | |
| Max Drawdown | -43.8% | -56.6% | |
| Fund Family | SMART Wealth, LLC | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 11, 2026 | May 24, 2001 |
SMCP vs VTI Performance
SMART Mid Cap ETF (SMCP) is a ETF from SMART Wealth, LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SMCP returned +3.18% while VTI returned +24.07%. Year to date, SMCP is up 3.18% versus a gain of 13.92% for VTI.
Over three years, SMCP compounded at -1.67% per year against +20.88% for VTI; over five years the annualized figures are -2.92% and +12.47% respectively. Across the full 11-year window we track, VTI has the edge at +8.13% annualized vs +0.49%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SMCP has been the more volatile fund, with annualized monthly volatility of 21.0% compared with 15.3% for VTI. 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 -43.8% for SMCP 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SMCP charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, SMCP currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
SMCP and VTI share 13 holdings out of 2802 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SMCP | Weight in VTI | Difference |
|---|---|---|---|
| HCC | 6.48% | 0.00% | 6.48% |
| EBC | 5.25% | 0.00% | 5.25% |
| BUSE | 5.07% | 0.00% | 5.07% |
| CUBI | Pro | Pro | Pro |
| BKV | Pro | Pro | Pro |
| CGNX | Pro | Pro | Pro |
| SEI | Pro | Pro | Pro |
| CMC | Pro | Pro | Pro |
| VICR | Pro | Pro | Pro |
| AAON | Pro | Pro | Pro |
See all 10 holdings SMCP shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SMCP or VTI?
SMCP has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, SMCP or VTI?
Over the past year SMCP returned +3.18% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (11 years), SMCP annualized +0.49% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, SMCP or VTI?
SMCP has been the more volatile fund at 21.0% annualized versus 15.3% for VTI. Worst drawdown: SMCP -43.8% vs VTI -56.6%.
Should I hold both SMCP and VTI?
SMCP and VTI have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SMCP and VTI?
SMCP and VTI share 13 common holdings with a 0.1% weight overlap. Combined, they hold 2802 unique securities.
Which pays a higher dividend, SMCP or VTI?
SMCP yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.