BCIL vs VTI
Bancreek International Large Cap ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | BCIL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.03% | |
| AUM | $90M | $663.5B | |
| Dividend Yield | 0.74% | 1.07% | |
| Holdings | 31 | 3,543 | |
| YTD Return | +6.92% | +13.87% | |
| 1Y Return | +2.05% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 15.7% | 15.3% | |
| Max Drawdown | -16.2% | -56.6% | |
| Fund Family | Bancreek Capital Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 21, 2024 | May 24, 2001 |
BCIL vs VTI Performance
Bancreek International Large Cap ETF (BCIL) is a ETF from Bancreek Capital Advisors and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BCIL returned +2.05% while VTI returned +23.31%. Year to date, BCIL is up 6.92% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
BCIL has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 15.3% 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 -16.2% for BCIL and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BCIL 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, BCIL currently yields 0.74% against 1.07% for VTI.
Holdings Overlap
BCIL and VTI share 0 holdings out of 2813 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BCIL or VTI?
BCIL has an expense ratio of 0.80% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $77 per year of difference.
Which performed better, BCIL or VTI?
Over the past year BCIL returned +2.05% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), BCIL annualized +8.15% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, BCIL or VTI?
BCIL has been the more volatile fund at 15.7% annualized versus 15.3% for VTI. Worst drawdown: BCIL -16.2% vs VTI -56.6%.
Should I hold both BCIL and VTI?
BCIL and VTI have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BCIL and VTI?
BCIL and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2813 unique securities.
Which pays a higher dividend, BCIL or VTI?
BCIL yields 0.74% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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