TCPB vs VTI
TCPB vs VTI
Thrivent Core Plus 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 | TCPB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $470M | $663.5B | |
| Dividend Yield | 5.16% | 1.07% | |
| Holdings | 462 | 3,543 | |
| YTD Return | -0.01% | +11.83% | |
| 1Y Return | +2.76% | +21.79% | |
| 3Y Return (annualized) | - | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 3.2% | 15.3% | |
| Max Drawdown | -2.7% | -56.6% | |
| Fund Family | Thrivent Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 19, 2025 | May 24, 2001 |
TCPB vs VTI Performance
Thrivent Core Plus Bond ETF (TCPB) is a ETF from Thrivent Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TCPB returned +2.76% while VTI returned +21.79%. Year to date, TCPB is down 0.01% versus a gain of 11.83% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.2% for TCPB. 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 -2.7% for TCPB 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 0.29. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TCPB 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, TCPB currently yields 5.16% against 1.07% for VTI.
Holdings Overlap
TCPB and VTI share 1 holdings out of 3027 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 TCPB | Weight in VTI | Difference |
|---|---|---|---|
| AON | 0.17% | 0.09% | 0.08% |
Frequently Asked Questions
Which is cheaper, TCPB or VTI?
TCPB 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, TCPB or VTI?
Over the past year TCPB returned +2.76% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TCPB annualized +4.30% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, TCPB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.2% for TCPB. Worst drawdown: TCPB -2.7% vs VTI -56.6%.
Should I hold both TCPB and VTI?
TCPB and VTI have a monthly-return correlation of 0.29, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TCPB and VTI?
TCPB and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 3027 unique securities.
Which pays a higher dividend, TCPB or VTI?
TCPB yields 5.16% while VTI yields 1.07%, so TCPB currently pays the higher dividend yield.
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