CRDT vs. VTI

Last updated Jun 5, 2026

CRDT (Simplify Opportunistic Income ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - CRDT is a Multisector Bonds fund actively managed by Simplify, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. CRDT is actively managed, while VTI is passively managed. Over the past year, CRDT returned 3.19% vs 28.79% for VTI. At a 0.35 correlation, their price movements are largely independent. CRDT charges 0.50%/yr vs 0.03%/yr for VTI.

Performance

CRDT vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Simplify Opportunistic Income ETF (CRDT) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CRDT achieves a 3.61% return, which is significantly lower than VTI's 11.72% return.

CRDT

• 1D: 1.01%
• 1M: 2.46%
• YTD: 3.61%
• 6M: 4.78%
• 1Y: 3.19%
• 3Y*: —
• 5Y*: —
• 10Y*: —

VTI

• 1D: 0.47%
• 1M: 4.59%
• YTD: 11.72%
• 6M: 11.43%
• 1Y: 28.79%
• 3Y*: 22.37%
• 5Y*: 12.80%
• 10Y*: 15.04%

*Multi-year figures are annualized to reflect compound growth (CAGR)

CRDT vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023
CRDT Simplify Opportunistic Income ETF	3.61%	-0.67%	5.19%	5.16%
VTI Vanguard Total Stock Market ETF	11.72%	17.10%	23.81%	10.29%

Correlation

The correlation between CRDT and VTI is 0.45, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.45
Correlation (All Time) Calculated using the full available price history since Jun 28, 2023	0.35

CRDT vs. VTI - Sectors Allocation Comparison

Sectors	CRDT	VTI
Real Estate	7.0%	2.4%
Consumer Cyclical	0.5%	10.0%
Financial Services	0.5%	12.0%
Basic Materials	-	2.0%
Communication Services	-	10.3%
Consumer Defensive	-	4.7%
Energy	-	3.7%
Healthcare	-	9.2%
Industrials	-	9.8%
Technology	-	33.5%
Utilities	-	2.3%

Return for Risk

CRDT vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CRDT

CRDT Risk / Return Rank: 15
CRDT Sharpe Ratio Rank: 15
CRDT Sortino Ratio Rank: 14
CRDT Omega Ratio Rank: 15
CRDT Calmar Ratio Rank: 15
CRDT Martin Ratio Rank: 16

VTI

VTI Risk / Return Rank: 73
VTI Sharpe Ratio Rank: 74
VTI Sortino Ratio Rank: 73
VTI Omega Ratio Rank: 73
VTI Calmar Ratio Rank: 66
VTI Martin Ratio Rank: 78

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CRDT vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Simplify Opportunistic Income ETF (CRDT) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	CRDT	VTI	Difference
Sharpe ratio: Return per unit of total volatility	0.36	2.38	-2.01
Sortino ratio: Return per unit of downside risk	0.55	3.24	-2.70
Omega ratio: Gain probability vs. loss probability	1.08	1.43	-0.35
Calmar ratio: Return relative to maximum drawdown	0.45	3.24	-2.80
Martin ratio: Return relative to average drawdown	1.33	14.94	-13.61
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

CRDT vs. VTI - Sharpe Ratio Comparison

The current CRDT Sharpe Ratio is 0.36, which is lower than the VTI Sharpe Ratio of 2.38. The chart below compares the historical Sharpe Ratios of CRDT and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	CRDT	VTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.36	2.38	-2.01
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.74	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.82	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.64	0.51	+0.13

Drawdowns

CRDT vs. VTI - Drawdown Comparison

The maximum CRDT drawdown since its inception was -9.80%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for CRDT and VTI.

Drawdown Indicators

	CRDT	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-9.80%	-55.45%	+45.65%
Max Drawdown (1Y) Largest decline over 1 year	-7.18%	-8.92%	+1.74%
Max Drawdown (3Y) Largest decline over 3 years	—	-19.30%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-25.36%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-35.00%	—
Current Drawdown Current decline from peak	-1.67%	-0.26%	-1.41%
Average Drawdown Average peak-to-trough decline	-2.31%	-8.03%	+5.72%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.40%	1.93%	+0.47%

Volatility

CRDT vs. VTI - Volatility Comparison

Simplify Opportunistic Income ETF (CRDT) has a higher volatility of 3.86% compared to Vanguard Total Stock Market ETF (VTI) at 2.90%. This indicates that CRDT's price experiences larger fluctuations and is considered to be riskier than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CRDT	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.86%	2.90%	+0.96%
Volatility (6M) Calculated over the trailing 6-month period	7.70%	9.13%	-1.43%
Volatility (1Y) Calculated over the trailing 1-year period	8.83%	12.17%	-3.34%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	7.07%	17.40%	-10.33%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	7.07%	18.30%	-11.23%

CRDT vs. VTI - Expense Ratio Comparison

CRDT has a 0.50% expense ratio, which is higher than VTI's 0.03% expense ratio.

Dividends

CRDT vs. VTI - Dividend Comparison

CRDT's dividend yield for the trailing twelve months is around 6.23%, more than VTI's 1.01% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CRDT Simplify Opportunistic Income ETF	6.23%	7.04%	7.29%	2.59%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.01%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both CRDT and VTI in my portfolio?

CRDT and VTI have a correlation of 0.45, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CRDT or VTI?

CRDT has higher volatility (3.86%) compared to VTI (2.90%). In terms of maximum drawdown, CRDT dropped -9.80% vs VTI's -55.45%.

Which ETF is better, CRDT or VTI?

On 1-year performance, VTI leads with 28.79% vs 3.19% for CRDT. On fees, VTI is cheaper at 0.03% per year. On volatility, VTI has been the lower-risk option at 2.90%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, CRDT or VTI?

Over the 1-year period, VTI has performed better with a 28.79% return vs 3.19%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, CRDT or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.50% for CRDT.

Which ETF pays a higher dividend yield, CRDT or VTI?

CRDT has the higher dividend yield at 6.23%, compared with 1.01% for VTI.

What is the main difference between CRDT and VTI?

CRDT is categorized as Multisector Bonds, while VTI is Large Cap Blend Equities. They also come from different issuers: Simplify and Vanguard. Their fees differ too: 0.50% for CRDT and 0.03% for VTI.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (2.38 vs 0.36), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.