TRPA vs VTI
TRPA vs VTI
Hartford AAA CLO 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 | TRPA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.24% | 0.03% | |
| AUM | $111M | $663.5B | |
| Dividend Yield | 5.07% | 1.07% | |
| Holdings | 123 | 3,543 | |
| YTD Return | -0.22% | +10.14% | |
| 1Y Return | +1.81% | +19.82% | |
| 3Y Return (annualized) | +5.13% | +18.94% | |
| 5Y Return (annualized) | +2.76% | +11.79% | |
| Volatility (annualized) | 3.5% | 15.4% | |
| Max Drawdown | -10.8% | -56.6% | |
| Fund Family | Hartford Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 30, 2018 | May 24, 2001 |
TRPA vs VTI Performance
Hartford AAA CLO ETF (TRPA) is a ETF from Hartford Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TRPA returned +1.81% while VTI returned +19.82%. Year to date, TRPA is down 0.22% versus a gain of 10.14% for VTI.
Over three years, TRPA compounded at +5.13% per year against +18.94% for VTI; over five years the annualized figures are +2.76% and +11.79% respectively. Across the full 8-year window we track, VTI has the edge at +7.99% annualized vs +3.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 3.5% for TRPA. 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 -10.8% for TRPA 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TRPA charges 0.24% per year while VTI charges 0.03%. On a $10,000 position that is $24 vs $3 annually, a gap of $21 per year that compounds over a long holding period. On income, TRPA currently yields 5.07% against 1.07% for VTI.
Holdings Overlap
TRPA 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, TRPA or VTI?
TRPA has an expense ratio of 0.24% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $21 per year of difference.
Which performed better, TRPA or VTI?
Over the past year TRPA returned +1.81% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), TRPA annualized +3.13% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, TRPA or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 3.5% for TRPA. Worst drawdown: TRPA -10.8% vs VTI -56.6%.
Should I hold both TRPA and VTI?
TRPA and VTI have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TRPA and VTI?
TRPA and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2794 unique securities.
Which pays a higher dividend, TRPA or VTI?
TRPA yields 5.07% while VTI yields 1.07%, so TRPA currently pays the higher dividend yield.
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