BCFN vs VTI
Baron Financials ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BCFN or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 45.1%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | BCFN | VTI |
|---|---|---|
| Expense Ratio | 0.80% | 0.03%Best |
| AUM | - | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 44 | 3,543 |
| YTD Return | -12.59% | +12.43%Best |
| 1Y Return | - | +15.92% |
| 3Y Return (annualized) | - | +22.42% |
| 5Y Return (annualized) | - | +12.37% |
| Top 10 Weight | 45.1% | 33.3%Best |
| Fund Family | Baron Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Dec 12, 2025 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
BCFN vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
BCFN vs VTI Performance
Baron Financials ETF (BCFN) is an ETF from Baron Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, BCFN is down 12.59% versus a gain of 12.43% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
BCFN charges 0.80% per year while VTI charges 0.03%. On a $10,000 position that is $80 vs $3 annually, a gap of $77 per year that compounds over a long holding period. On income, BCFN currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
87.9% of BCFN's money is in holdings VTI also owns. 6.0% of VTI's money is in holdings BCFN also owns.
Most of BCFN is already inside VTI. Owning both mostly buys the same companies twice.
37 positions in common, counted across the 42 positions we hold weights for in BCFN and 3,463 in VTI, against full books of 44 and 3,543.
What only one of them owns
Our book lists 1,116 positions for VTI that do not appear in our book for BCFN (91.5% of the fund), and 1 for BCFN that do not appear in VTI (3.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in BCFN | Weight in VTI | Difference |
|---|---|---|---|
| VVisa Inc Class A | 5.88% | 0.83% | 5.05% |
| MAMastercard Inc | 5.73% | 0.63% | 5.10% |
| JPMJpmorgan Chase | 4.87% | 1.31% | 3.56% |
| BACBank of America Corp.: Financials | 4.82% | 0.55% | 4.27% |
| SCHWSchwab Strategic T | 4.37% | 0.24% | 4.13% |
| MSMorgan Stanley | 3.94% | 0.35% | 3.59% |
| IBKRInteractive Brokers Group Inc | 4.16% | 0.05% | 4.11% |
| SPGIS&p Global Inc. | 3.90% | 0.16% | 3.74% |
| LPLALpl Holdings | 3.74% | 0.04% | 3.70% |
| MCOMoody'S Corp. | 3.66% | 0.10% | 3.56% |
87.9% of BCFN is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, BCFN or VTI?
BCFN has an expense ratio of 0.80% while VTI charges 0.03%. VTI is the cheaper option, by $77 a year on a $10,000 investment.
What is the holdings overlap between BCFN and VTI?
87.9% of BCFN's money is in holdings VTI also owns. 6.0% of VTI's is in holdings BCFN also owns. They hold 37 positions in common, counted across the 42 positions we hold weights for in BCFN and 3,463 in VTI.
Which pays a higher dividend, BCFN or VTI?
BCFN yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than BCFN?
VTI has a lower expense ratio. VTI led over 1Y. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 45.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.