CGDV vs VTI: Performance, Holdings, Fees & Risk
CGDV and VTI are ETFs, but they can differ materially in exposure, yield, fees and risk. CGDV is Capital Group Dividend Value ETF, while VTI is Vanguard Morningstar Total Stock Market ETF. VTI is broader by holdings count, with 3,524 positions versus 58 for CGDV. VTI has the lower expense ratio. Current AlgovestIQ evidence has CGDV ahead on AIQ Score, 62 versus 60.
What is the main difference between CGDV and VTI?
VTI holds 3,524 positions to CGDV's 58.
| Metric | CGDV | VTI |
|---|---|---|
| Fund | ||
| Expense ratio | 0.33% | 0.03% |
| Holdings | 58 | 3,524 |
| Distribution yieldTrailing 12 months | 1.23% | 1.05% |
| Average volume | 3,467,903 | 3,115,564 |
| Performance | ||
| 1Y return | +18% | +15.8% |
| YTD return | +12.7% | +12.5% |
| Risk | ||
| Annualized volatility | 12.5% | 13% |
| Max drawdown (1Y) | -9.8% | -9.2% |
| Beta | 0.93 | 1.02 |
| Sharpe ratio | 1.06 | 0.86 |
| Sortino ratio | 1.66 | 1.32 |
| AlgovestIQ | ||
| AIQ Score | 62/100 | 60/100 |
| AIQ Edge Score | 8/10 | 8/10 |
| Momentum | 52/100 | 51/100 |
| Risk Resilience | 84/100 | 86/100 |
AlgovestIQ AIQ Comparison
Capital Group Dividend Value ETF vs Vanguard Morningstar Total Stock Market ETF
CGDV leads
CGDV leads by 2 AIQ points, primarily on Value, having only recently taken the lead back from VTI.
Fragile: 1 of 4 evidence groups support CGDV, the lead recently changed hands, and its current signal state is conflicted.
Capital Group Dividend Value ETF
Vanguard Morningstar Total Stock Market ETF
The Algovestiq AIQ Score currently favors CGDV over VTI, 62 versus 60 as of Oct 21, 2026. CGDV's advantage is driven primarily by stronger value, while VTI holds the stronger quality profile. CGDV also shows the weaker technical structure relative to its 50-day moving average. 1 of 4 covered evidence groups favor CGDV today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 2 points. CGDV lead: Reversed — VTI led by 2 AIQ points 30 sessions ago; CGDV now leads by 2.
Compare Capital Group Dividend Value ETF and Vanguard Morningstar Total Stock Market ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
CGDV vs VTI: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | CGDV | VTI | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.33% | 0.03% | VTI |
| Broader diversificationNumber of holdings | 58 | 3,524 | VTI |
| Higher incomeTrailing 12-month distribution yield | 1.23% | 1.05% | Similar |
| Smaller drawdownsMax drawdown, 1 year | -9.8% | -9.2% | Similar |
| Lower volatilityAnnualized volatility, 1 year | 12.5% | 13% | Similar |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare CGDV and VTI against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value55 vs 42CGDV +13
- Quality66 vs 74VTI +8
- Risk Resilience84 vs 86Even
- Momentum52 vs 51Even
1 of 4 evidence groups favor CGDV. CGDV’s edge is concentrated in value; VTI keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +5
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum +4
No signal started or stopped since the prior session; its 5 active signals are unchanged.
CGDV's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — CGDV and VTI both carry a full feed there.
The central trade-off
CGDV (Capital Group Dividend Value ETF): the stronger current systematic profile, led by value.
VTI (Vanguard Morningstar Total Stock Market ETF): the counter-case, on quality, technicals.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | CGDV | VTI | Why it matters |
|---|---|---|---|
| Expense ratio | 0.33% | 0.03% | Lower is better — it compounds against you every year you hold. |
| Holdings | 58 | 3,524 | More holdings means broader diversification, not better returns. |
| Average volume | 3,467,903 | 3,115,564 | Liquidity — matters most if you trade size. |
| Annualized volatility | 12.5% | 13% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -9.8% | -9.2% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | 1.06 | 0.86 | Return per unit of risk. Higher is better. |
| Beta | 0.93 | 1.02 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
CGDV vs VTI: five-year payout growth
VTI grew its split-adjusted payout at 6.28% a year over 2020-2025. CGDV began paying distributions in 2022, so it has no 2020-2025 growth rate to compare.
| Dividend metric | CGDV | VTI |
|---|---|---|
| 2025 annual payout | $0.565 | $3.757 |
| Peer rank | not ranked | #81 of 138 |
Split-adjusted annual distributions, 2020–2025. Research as of Sep 19, 2026. Yield and expense ratio above are current values, not part of this window.
AIQ Agreement Matrix
1 of 4 covered evidence groups favor CGDV. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 62 vs 60 |
| Fundamentals | Not covered | Not covered |
| Valuation | CGDV | Value 55 vs 42 |
| Technicals | VTI | Price vs 50-day -1% vs 0.2%; vs 200-day 4% vs 5.3% |
| Risk Resilience | Even | Risk Resilience 84 vs 86 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of CGDV and VTI and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 2 points. (argues the conclusion is provisional)
- Only 1 of 4 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on CGDV.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20CGDV lead: Reversed — VTI led by 2 AIQ points 30 sessions ago; CGDV now leads by 2.
- Today
- CGDV +2
- 62 vs 60
- 7 sessions ago
- CGDV +2
- 61 vs 59
- 30 sessions ago
- VTI +2
- 58 vs 60
- 90 sessions ago
- VTI +4
- 62 vs 66
The lead changed hands 3 times in this window, most recently on Oct 14 when CGDV moved ahead of VTI.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 1 bearish / 2 neutral, conflicted
Only CGDV
- Bollinger Band Squeeze — neutral, volatility, short horizon
2 bullish / 1 bearish / 2 neutral, conflicted
Only VTI
- EMA Ribbon Compression — neutral, trend, medium horizon
- 52-Week High Proximity — bullish, risk, long horizon (1.7%)
Both carry 3 more signals that do not separate them: Golden Cross Active, ATR Contraction - Coiling, MACD Bearish Crossover.
CGDV leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.02%, AIQ +1 points).
Price and the AIQ Score both moved up over the latest session (price +0.55%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1VTI closes the Value gap — currently 13 points behind, the largest single contributor to CGDV's edge.
- 2VTI's ATR Contraction - Coiling turns directional — it is neutral today and would confirm a change in trend.
- 3CGDV's conflicting signal state resolves bearish — it currently carries 1 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
CGDV leads 4 of 6 windows| Metric | CGDV | VTI |
|---|---|---|
| 1 week (5 sessions) | -1% | -1.1% |
| 1 month (20 sessions) | -0.9% | -1.1% |
| 3 months (63 sessions) | 0.3% | 2.2% |
| 6 months (126 sessions) | 8% | 8.4% |
| Year to date | 12.7% | 12.5% |
| 1 year (252 sessions) | 18% | 15.8% |
Technicals
VTI has the stronger structure| Metric | CGDV | VTI |
|---|---|---|
| RSI (14) | 54.6 | 55.2 |
| ADX (14) | 17.4 | 13.4 |
| Price vs 50-day | -1% | 0.2% |
| Price vs 200-day | 4% | 5.3% |
| Volatility (1M, annualized) | 9.3% | 9.8% |
Risk
Split| Metric | CGDV | VTI |
|---|---|---|
| Beta | 0.93 | 1.02 |
| Sharpe ratio | 1.06 | 0.86 |
| Sortino ratio | 1.66 | 1.32 |
| Max drawdown | -9.8% | -9.2% |
| Current drawdown | -4.4% | -1.9% |
| Annualized volatility | 12.5% | 13% |
| Value at risk (95%) | -1.3% | -1.4% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between CGDV and VTI?
VTI holds 3,524 positions to CGDV's 58.
Which ETF is more diversified, CGDV or VTI?
VTI holds more positions: 3,524 versus 58 for CGDV.
Which has the lower expense ratio?
VTI has the lower expense ratio, 0.03% a year against 0.33% for CGDV.
Which ETF has the higher distribution yield?
Their trailing 12-month distribution yields are similar: 1.23% for CGDV and 1.05% for VTI.
Which ETF has been more volatile?
Their volatility over the past year is similar: 12.5% annualized for CGDV and 13% for VTI.
Which ETF has had the smaller drawdown?
Their worst peak-to-trough falls over the past year are similar: -9.8% for CGDV and -9.2% for VTI.
Compare CGDV and VTI with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.