BCHI vs VTI

BCHI vs VTI

Which is better, BCHI or VTI?

BCHI has been ahead.

VTI has a lower expense ratio. BCHI led over 1Y and the full window.

Lower Fees: VTIHigher Returns: BCHI

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

MetricBCHIVTI
Expense Ratio0.65%0.03%Best
AUM$13M$666.9B
Dividend Yield21.46%1.07%
Holdings1003,543
Volatility (annualized)21.3%13.5%Best
Max Drawdown-16.0%Best-19.3%
$10,000 over 1.5 years$15,176Best$12,954
Fund FamilyGMOVanguard (US)
CategoryEquityEquity
StyleLarge Cap BlendLarge Cap Blend
InceptionFeb 12, 2025May 24, 2001

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.

The two price series end 21 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. BCHI has data through Aug 14, 2026 and VTI through Sep 4, 2026.

Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Feb 13, 2025 to Aug 14, 2026 (1.5 years).

Risk: Volatility and Drawdowns

BCHI has been the more volatile fund, with annualized monthly volatility of 21.3% compared with 13.5% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.

The deepest peak-to-trough decline in our data was -16.0% for BCHI and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.72. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

BCHI charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, BCHI currently yields 21.46% against 1.07% for VTI.

Holdings Overlap

We hold position weights for 89 holdings in BCHI and 2,787 in VTI, totalling 100.2% and 92.3% of the two funds. The two books name no position in common, so there is no overlap percentage to show.

0 positions in common, counted across the 89 positions we hold weights for in BCHI and 2,787 in VTI, against full books of 100 and 3,543.

You are not choosing between two funds in isolation.

Whichever of BCHI and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

BCHIVTI

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, BCHI or VTI?

BCHI has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option, by $62 a year on a $10,000 investment.

Which is riskier, BCHI or VTI?

BCHI has been the more volatile fund at 21.3% annualized versus 13.5% for VTI. Worst drawdown: BCHI -16.0% vs VTI -19.3%.

Should I hold both BCHI and VTI?

BCHI and VTI have a monthly-return correlation of 0.72, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

Which pays a higher dividend, BCHI or VTI?

BCHI yields 21.46% while VTI yields 1.07%, so BCHI currently pays the higher dividend yield.

Is VTI better than BCHI?

VTI has a lower expense ratio. BCHI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.