CPER vs VTI: Performance, Holdings, Fees & Risk
CPER and VTI are ETFs, but they can differ materially in exposure, yield, fees and risk. CPER is United States Copper Index Fund, while VTI is Vanguard Morningstar Total Stock Market ETF. VTI is broader by holdings count, with 3,524 positions versus 26 for CPER. VTI has the lower expense ratio. Current AlgovestIQ evidence has VTI ahead on AIQ Score, 60 versus 50.
What is the main difference between CPER and VTI?
VTI holds 3,524 positions to CPER's 26.
| Metric | CPER | VTI |
|---|---|---|
| Fund | ||
| Expense ratio | 0.88% | 0.03% |
| Holdings | 26 | 3,524 |
| Average volume | 499,250 | 3,115,564 |
| Performance | ||
| 1Y return | +28.9% | +15.8% |
| YTD return | +13.7% | +12.5% |
| 5Y annualized returnTotal return, distributions reinvested | +7.5% | +11.4% |
| Risk | ||
| Annualized volatility | 28.1% | 13% |
| Max drawdown (1Y) | -16.4% | -9.2% |
| Max drawdown (5Y)Total return, distributions reinvested | -34.7% | -25.4% |
| Beta | 1.24 | 1.02 |
| Sharpe ratio | 0.91 | 0.86 |
| Sortino ratio | 1.29 | 1.32 |
| AlgovestIQ | ||
| AIQ Score | 50/100 | 60/100 |
| AIQ Edge Score | 4/10 | 8/10 |
| Momentum | 48/100 | 51/100 |
| Risk Resilience | 62/100 | 86/100 |
AlgovestIQ AIQ Comparison
United States Copper Index Fund vs Vanguard Morningstar Total Stock Market ETF
VTI leads
VTI leads by 10 AIQ points, primarily on Quality and Risk Resilience.
Competitive: 2 of 3 evidence groups support VTI, and its current signal state is conflicted.
United States Copper Index Fund
Vanguard Morningstar Total Stock Market ETF
The Algovestiq AIQ Score currently favors VTI over CPER, 60 versus 50 as of Oct 21, 2026. VTI's advantage is driven primarily by stronger quality and risk resilience. VTI also shows the stronger technical structure relative to its 50-day moving average. 2 of 3 covered evidence groups favor VTI today, and the comparison is rated Competitive on stability: the leader is throwing conflicting signals. VTI lead: Stable — the AIQ differential has held near 10 points over 30 sessions.
Compare United States Copper Index Fund and Vanguard Morningstar Total Stock Market ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
CPER 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 | CPER | VTI | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.88% | 0.03% | VTI |
| Broader diversificationNumber of holdings | 26 | 3,524 | VTI |
| Smaller drawdownsMax drawdown, 5 years | -34.7% | -25.4% | VTI |
| Lower volatilityAnnualized volatility, 1 year | 28.1% | 13% | VTI |
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 CPER 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.
- Quality45 vs 74VTI +29
- Risk Resilience62 vs 86VTI +24
- Momentum48 vs 51Even
2 of 3 evidence groups favor VTI. VTI’s edge is concentrated in quality and risk resilience.
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 +4
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.
VTI's lead narrowed by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — CPER and VTI both carry a full feed there.
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 | CPER | VTI | Why it matters |
|---|---|---|---|
| Expense ratio | 0.88% | 0.03% | Lower is better — it compounds against you every year you hold. |
| Holdings | 26 | 3,524 | More holdings means broader diversification, not better returns. |
| Average volume | 499,250 | 3,115,564 | Liquidity — matters most if you trade size. |
| Annualized volatility | 28.1% | 13% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -16.4% | -9.2% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | 0.91 | 0.86 | Return per unit of risk. Higher is better. |
| Beta | 1.24 | 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.
AIQ Agreement Matrix
2 of 3 covered evidence groups favor VTI. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | VTI | 50 vs 60 |
| Fundamentals | Not covered | Not covered |
| Valuation | Not covered | Not covered |
| Technicals | Even | Price vs 50-day -0.8% vs 0.2%; vs 200-day 5.2% vs 5.3% |
| Risk Resilience | VTI | Risk Resilience 62 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 CPER and VTI and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is moderate at 10 points.
- The lead has been steady session to session. (supports the conclusion holding)
- 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 VTI.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20VTI lead: Stable — the AIQ differential has held near 10 points over 30 sessions.
- Today
- VTI +10
- 50 vs 60
- 7 sessions ago
- VTI +13
- 46 vs 59
- 30 sessions ago
- VTI +10
- 50 vs 60
- 90 sessions ago
- VTI +6
- 60 vs 66
The lead changed hands 6 times in this window, most recently on Aug 3 when VTI moved ahead of CPER.
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 CPER
- 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.
VTI 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.
Price is down while the AIQ Score moved up 2 points over the same session — price and model disagree (price -0.53%, AIQ +2 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.
- 1CPER closes the Quality gap — currently 29 points behind, the largest single contributor to VTI's edge.
- 2CPER's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3VTI's conflicting signal state resolves bearish — it currently carries 2 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
Split across windows| Metric | CPER | VTI |
|---|---|---|
| 1 week (5 sessions) | -1.7% | -1.1% |
| 1 month (20 sessions) | -4.1% | -1.1% |
| 3 months (63 sessions) | 1.3% | 2.2% |
| 6 months (126 sessions) | 8.7% | 8.4% |
| Year to date | 13.7% | 12.5% |
| 1 year (252 sessions) | 28.9% | 15.8% |
Technicals
Split| Metric | CPER | VTI |
|---|---|---|
| RSI (14) | 49.6 | 55.2 |
| ADX (14) | 8.4 | 13.4 |
| Price vs 50-day | -0.8% | 0.2% |
| Price vs 200-day | 5.2% | 5.3% |
| Volatility (1M, annualized) | 16.8% | 9.8% |
Risk
VTI is the more resilient| Metric | CPER | VTI |
|---|---|---|
| Beta | 1.24 | 1.02 |
| Sharpe ratio | 0.91 | 0.86 |
| Sortino ratio | 1.29 | 1.32 |
| Max drawdown | -16.4% | -9.2% |
| Current drawdown | -4.1% | -1.9% |
| Annualized volatility | 28.1% | 13% |
| Value at risk (95%) | -2.8% | -1.4% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between CPER and VTI?
VTI holds 3,524 positions to CPER's 26.
Which ETF is more diversified, CPER or VTI?
VTI holds more positions: 3,524 versus 26 for CPER.
Which has the lower expense ratio?
VTI has the lower expense ratio, 0.03% a year against 0.88% for CPER.
Which ETF has been more volatile?
CPER has been more volatile over the past year, at 28.1% annualized against 13% for VTI.
Which ETF has had the smaller drawdown?
VTI fell less from peak to trough over the past five years: -25.4% against -34.7% for CPER.
Compare CPER 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.