BCHP vs VTI
Principal Focused Blue Chip ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BCHP or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
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 | BCHP | VTI |
|---|---|---|
| Expense Ratio | 0.58% | 0.03%Best |
| AUM | $243M | $666.9B |
| Dividend Yield | 0.00% | 1.07% |
| Holdings | 25 | 3,543 |
| YTD Return | +3.46% | +13.95%Best |
| 1Y Return | +3.02% | +21.44%Best |
| 3Y Return (annualized) | +14.68% | +21.10%Best |
| 5Y Return (annualized) | - | +11.77% |
| Volatility (annualized) | 15.3% | 13.1%Best |
| Max Drawdown | -18.6%Best | -19.3% |
| $10,000 over 3.1 years | $15,344 | $17,530Best |
| Fund Family | Principal Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Jul 12, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Jul 13, 2023 to Sep 3, 2026 (3.1 years).
BCHP 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 covers the 3.1 years both funds cover.
BCHP vs VTI Performance
Principal Focused Blue Chip ETF (BCHP) is an ETF from Principal Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BCHP returned +3.02% while VTI returned +21.44%. Year to date, BCHP is up 3.46% versus a gain of 13.95% for VTI.
Over three years, BCHP compounded at +14.68% per year against +21.10% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BCHP has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.1% 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 -18.6% for BCHP 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BCHP charges 0.58% per year while VTI charges 0.03%. On a $10,000 position that is $58 vs $3 annually, a gap of $55 per year that compounds over a long holding period. On income, BCHP currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
At least 88.2% of BCHP's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of BCHP is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 49 days apart, BCHP as of Aug 18, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
20 positions in common, counted across the 24 positions we hold weights for in BCHP and 2,787 in VTI, against full books of 25 and 3,543.
Top Shared Holdings
| Stock | Weight in BCHP | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corporation (purchase Right At $310.00 Per Share) | 11.29% | 6.32% | 4.97% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 10.70% | 3.81% | 6.89% |
| AMZNAmazon.Com Inc | 11.26% | 3.17% | 8.09% |
| GOOGAlphabet Inc. C | 9.22% | 2.27% | 6.95% |
| AVGOBroadcom Inc | 4.78% | 2.46% | 2.32% |
| METAMeta Platform Inc | 4.08% | 1.70% | 2.38% |
| VVisa Inc Class A | 4.55% | 0.77% | 3.78% |
| TDGTransdigm Group Inc. | 5.03% | 0.10% | 4.93% |
| MAMastercard Inc | 4.49% | 0.56% | 3.93% |
| KKRKkr & Co. Inc. Class a | 3.69% | 0.08% | 3.61% |
88.2% of BCHP 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, BCHP or VTI?
BCHP has an expense ratio of 0.58% while VTI charges 0.03%. VTI is the cheaper option, by $55 a year on a $10,000 investment.
Which performed better, BCHP or VTI?
Over the past year BCHP returned +3.02% vs +21.44% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BCHP or VTI?
BCHP has been the more volatile fund at 15.3% annualized versus 13.1% for VTI. Worst drawdown: BCHP -18.6% vs VTI -19.3%.
Should I hold both BCHP and VTI?
BCHP and VTI have a monthly-return correlation of 0.84, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between BCHP and VTI?
At least 88.2% of BCHP's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 20 positions in common, counted across the 24 positions we hold weights for in BCHP and 2,787 in VTI.
Which pays a higher dividend, BCHP or VTI?
BCHP yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
Is VTI better than BCHP?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.