BCIL vs VXUS
Bancreek International Large Cap ETF vs Vanguard Total International Stock ETF
Quick Verdict
VXUS has a lower expense ratio. VXUS delivered stronger 1-year returns. VXUS offers more diversification with 7861 holdings.
Side-by-Side Comparison
| Metric | BCIL | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.05% | |
| AUM | $90M | $156.5B | |
| Dividend Yield | 0.74% | 2.60% | |
| Holdings | 31 | 8,747 | |
| YTD Return | +7.20% | +14.07% | |
| 1Y Return | +2.32% | +27.24% | |
| 3Y Return (annualized) | - | +19.27% | |
| 5Y Return (annualized) | - | +9.14% | |
| Volatility (annualized) | 15.7% | 15.1% | |
| Max Drawdown | -16.2% | -39.9% | |
| Fund Family | Bancreek Capital Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 21, 2024 | Jan 26, 2011 |
BCIL vs VXUS Performance
Bancreek International Large Cap ETF (BCIL) is a ETF from Bancreek Capital Advisors and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year BCIL returned +2.32% while VXUS returned +27.24%. Year to date, BCIL is up 7.20% versus a gain of 14.07% for VXUS.
Risk: Volatility and Drawdowns
BCIL has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 15.1% for VXUS. 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 -39.9% for VXUS. 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BCIL charges 0.80% per year while VXUS charges 0.05%. On a $10,000 position that is $80 vs $5 annually, a gap of $75 per year that compounds over a long holding period. On income, BCIL currently yields 0.74% against 2.60% for VXUS.
Holdings Overlap
BCIL and VXUS share 23 holdings out of 7868 unique holdings combined, representing a 2.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BCIL or VXUS?
BCIL has an expense ratio of 0.80% while VXUS charges 0.05%. VXUS is the cheaper option. On a $10,000 investment, that is $75 per year of difference.
Which performed better, BCIL or VXUS?
Over the past year BCIL returned +2.32% vs +27.24% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (2 years), BCIL annualized +8.27% vs +4.83% for VXUS. Past performance does not guarantee future results.
Which is riskier, BCIL or VXUS?
BCIL has been the more volatile fund at 15.7% annualized versus 15.1% for VXUS. Worst drawdown: BCIL -16.2% vs VXUS -39.9%.
Should I hold both BCIL and VXUS?
BCIL and VXUS have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BCIL and VXUS?
BCIL and VXUS share 23 common holdings with a 2.7% weight overlap. Combined, they hold 7868 unique securities.
Which pays a higher dividend, BCIL or VXUS?
BCIL yields 0.74% while VXUS yields 2.60%, so VXUS currently pays the higher dividend yield.
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