Data as of Oct 28, 2026.
COWZ vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, COWZ returned +24.4% to VTI's +13.5%; 7% of their weight is in the same names.
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Net assets: $19.5bn on Oct 27, 2026 for Pacer US Cash Cows 100 ETF, and $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.46 points a year less; their one-year returns differ by 10.9 points.
| Measure | COWZ | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | +24.4% | +13.5% |
| Benchmark | ||
| What it tracks | Pacer US Cash Cows 100 Index | Morningstar US Total Market Index |
| Cost and size | ||
| Expense ratio | 0.49% | 0.03% |
| Net assets, COWZ as of Oct 27, 2026 and VTI as of Sep 30, 2026 | $19.5bn | $689.2bn |
| Holdings | ||
| Holdings in common | 7% | |
| Top ten holdings, share of the fund | 20.4% | 34.7% |
Holdings in common uses holdings dated Jul 31, 2026 and Sep 30, 2026. Method
Risk and return
Dec 30, 2016 to Oct 23, 2026 · 512 weekly returnsVTI returned slightly more: +276.9% to +251.9%. VTI swung less: 17.6% to 19.6%. VTI fell slightly less at its worst: −32.9% to −36.3%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | COWZ | VTI | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +251.9% | +276.9% | VTI (slight) | Price change plus distributions, reinvested. |
| Annualized | +13.6% | +14.4% | VTI (slight) | Total return as a yearly rate. |
| Price return | +188.5% | +223.5% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 19.6% | 17.6% | VTI | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 13.8% | 12.3% | VTI | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −36.3% | −32.9% | VTI (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.62 | 0.71 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.89 | 1.02 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.38 | 0.44 | VTI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 512 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, COWZ and VTI hold 7% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Sep 30, 2026.
half
7% in common
Only in one fund ↓
Side by side
COWZ and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
COWZ and VTI do different jobs. What does each one do in a portfolio?
- What each follows. COWZ follows Pacer US Cash Cows 100 Index and VTI follows Morningstar US Total Market Index.
- Holdings in common. 7% of the weight is in the same securities (holdings dated Jul 31, 2026 and Sep 30, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 COWZ returned +24.4% and VTI +13.5% with distributions reinvested, a gap of 10.9 points.
Data as of Oct 28, 2026.
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COWZ
COWZ tracks an index of US Cash Cows 100. Over the year to Oct 28, 2026 it returned +24.4% with distributions reinvested. The prospectus expense ratio is 0.49% a year. By its holdings filed for Jul 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 100 positions, with the top ten at 20.4%.
VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
Questions people ask
- Which returned more over the last year, COWZ or VTI?
- In the year to Oct 28, 2026, with distributions reinvested, COWZ returned +24.4% and VTI +13.5%.
- Which is cheaper, COWZ or VTI?
- VTI is cheaper, by 0.46 percentage points a year. That is about $46 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, COWZ against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/cowz-vs-vti
ETFIQ. (Oct 28, 2026). COWZ against VTI. Retrieved from https://etfiq.com/compare/any/cowz-vs-vti
[COWZ against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/cowz-vs-vti)
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