VTI vs. VCR
VTI (Vanguard Total Stock Market ETF) and VCR (Vanguard Consumer Discretionary ETF) are both exchange-traded funds - VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index, while VCR is a Consumer Discretionary Equities fund tracking the MSCI US Investable Market Consumer Discretionary 25/50 Index. Both are passively managed. Over the past 10 years, VTI returned 15.02%/yr vs 13.76%/yr for VCR. Their correlation of 0.87 suggests significant overlap in exposure. VTI charges 0.03%/yr vs 0.10%/yr for VCR.
Performance
VTI vs. VCR - Performance Comparison
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Returns By Period
In the year-to-date period, VTI achieves a 9.62% return, which is significantly higher than VCR's -0.09% return. Over the past 10 years, VTI has outperformed VCR with an annualized return of 15.02%, while VCR has yielded a comparatively lower 13.76% annualized return.
VTI
- 1D
- 0.57%
- 1M
- -0.28%
- YTD
- 9.62%
- 6M
- 9.69%
- 1Y
- 26.27%
- 3Y*
- 20.60%
- 5Y*
- 12.20%
- 10Y*
- 15.02%
VCR
- 1D
- 0.20%
- 1M
- 0.16%
- YTD
- -0.09%
- 6M
- -1.17%
- 1Y
- 12.37%
- 3Y*
- 13.30%
- 5Y*
- 6.00%
- 10Y*
- 13.76%
VTI vs. VCR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTI Vanguard Total Stock Market ETF | 9.62% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
VCR Vanguard Consumer Discretionary ETF | -0.09% | 5.77% | 24.27% | 40.38% | -35.15% | 24.86% | 48.36% | 27.45% | -2.31% | 22.82% |
Correlation
The correlation between VTI and VCR is 0.79, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.79 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.84 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.87 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.87 |
Correlation (All Time) Calculated using the full available price history since Jan 30, 2004 | 0.87 |
The correlation between VTI and VCR has been stable across timeframes, ranging from 0.79 to 0.87 - a consistent structural relationship.
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Return for Risk
VTI vs. VCR — Risk / Return Rank
VTI
VCR
VTI vs. VCR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Stock Market ETF (VTI) and Vanguard Consumer Discretionary ETF (VCR). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| VTI | VCR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.37 | ||
| Sortino ratioReturn per unit of downside risk | +1.71 | ||
| Omega ratioGain probability vs. loss probability | 1.35 | 1.11 | +0.24 |
| Calmar ratioReturn relative to maximum drawdown | 2.79 | 0.72 | +2.07 |
| Martin ratioReturn relative to average drawdown | 12.52 | 2.21 | +10.31 |
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Drawdowns
VTI vs. VCR - Drawdown Comparison
The maximum VTI drawdown since its inception was -55.45%, smaller than the maximum VCR drawdown of -61.54%. Use the drawdown chart below to compare losses from any high point for VTI and VCR.
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Drawdown Indicators
| VTI | VCR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.45% | -61.54% | +6.09% |
Max Drawdown (1Y)Largest decline over 1 year | -8.92% | -15.59% | +6.67% |
Max Drawdown (3Y)Largest decline over 3 years | -19.30% | -27.36% | +8.06% |
Max Drawdown (5Y)Largest decline over 5 years | -25.36% | -39.20% | +13.84% |
Max Drawdown (10Y)Largest decline over 10 years | -35.00% | -39.20% | +4.20% |
Current DrawdownCurrent decline from peak | -2.14% | -4.64% | +2.50% |
Average DrawdownAverage peak-to-trough decline | -8.02% | -9.39% | +1.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.99% | 5.05% | -3.06% |
Volatility
VTI vs. VCR - Volatility Comparison
The current volatility for Vanguard Total Stock Market ETF (VTI) is 4.50%, while Vanguard Consumer Discretionary ETF (VCR) has a volatility of 6.17%. This indicates that VTI experiences smaller price fluctuations and is considered to be less risky than VCR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTI | VCR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.50% | 6.17% | -1.67% |
Volatility (6M)Calculated over the trailing 6-month period | 9.82% | 13.48% | -3.66% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.64% | 18.62% | -5.98% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.47% | 24.03% | -6.56% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 18.33% | 22.43% | -4.10% |
VTI vs. VCR - Expense Ratio Comparison
VTI has a 0.03% expense ratio, which is lower than VCR's 0.10% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
VTI vs. VCR - Dividend Comparison
VTI's dividend yield for the trailing twelve months is around 1.03%, more than VCR's 0.73% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VCR Vanguard Consumer Discretionary ETF | 0.73% | 0.74% | 0.74% | 0.84% | 0.98% | 0.79% | 1.71% | 1.17% | 1.37% | 1.21% | 1.60% | 1.32% |
VTI Vanguard Total Stock Market ETF | 1.03% | 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
VTI and VCR have a correlation of 0.79, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VCR has higher volatility (6.17%) compared to VTI (4.50%). In terms of maximum drawdown, VTI dropped -55.45% vs VCR's -61.54%.
On 10-year performance, VTI leads with 15.02% vs 13.76% for VCR. On fees, VTI is cheaper at 0.03% per year. On volatility, VTI has been the lower-risk option at 4.50%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, VTI has performed better with a 15.02% return vs 13.76%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
VTI is cheaper with a 0.03% expense ratio, compared with 0.10% for VCR.
VTI has the higher dividend yield at 1.03%, compared with 0.73% for VCR.
VTI is categorized as Large Cap Blend Equities, while VCR is Consumer Discretionary Equities. VTI tracks CRSP US Total Market Index, while VCR tracks MSCI US Investable Market Consumer Discretionary 25/50 Index. Their fees differ too: 0.03% for VTI and 0.10% for VCR.
VTI currently has the higher Sharpe Ratio (1.97 vs 0.60), 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.
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