TDSB vs VTI
TDSB vs VTI
ETC Cabana Target Beta 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 | TDSB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.91% | 0.03% | |
| AUM | $49M | $663.5B | |
| Dividend Yield | 2.28% | 1.07% | |
| Holdings | 11 | 3,543 | |
| YTD Return | +4.01% | +13.39% | |
| 1Y Return | +11.78% | +23.21% | |
| 3Y Return (annualized) | +8.45% | +20.65% | |
| 5Y Return (annualized) | +1.46% | +12.18% | |
| Volatility (annualized) | 7.7% | 15.3% | |
| Max Drawdown | -19.6% | -56.6% | |
| Fund Family | The Cabana Group, LLC | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 16, 2020 | May 24, 2001 |
TDSB vs VTI Performance
ETC Cabana Target Beta ETF (TDSB) is a ETF from The Cabana Group, LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TDSB returned +11.78% while VTI returned +23.21%. Year to date, TDSB is up 4.01% versus a gain of 13.39% for VTI.
Over three years, TDSB compounded at +8.45% per year against +20.65% for VTI; over five years the annualized figures are +1.46% and +12.18% respectively. Across the full 6-year window we track, VTI has the edge at +8.11% annualized vs +2.09%. 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 7.7% for TDSB. 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 -19.6% for TDSB 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TDSB charges 0.91% per year while VTI charges 0.03%. On a $10,000 position that is $91 vs $3 annually, a gap of $88 per year that compounds over a long holding period. On income, TDSB currently yields 2.28% against 1.07% for VTI.
Holdings Overlap
TDSB and VTI share 0 holdings out of 2793 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, TDSB or VTI?
TDSB has an expense ratio of 0.91% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $88 per year of difference.
Which performed better, TDSB or VTI?
Over the past year TDSB returned +11.78% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), TDSB annualized +2.09% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, TDSB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.7% for TDSB. Worst drawdown: TDSB -19.6% vs VTI -56.6%.
Should I hold both TDSB and VTI?
TDSB and VTI have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TDSB and VTI?
TDSB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, TDSB or VTI?
TDSB yields 2.28% while VTI yields 1.07%, so TDSB currently pays the higher dividend yield.
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