BCIL vs VYM
Bancreek International Large Cap ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | BCIL | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.04% | |
| AUM | $90M | $79.0B | |
| Dividend Yield | 0.74% | 2.86% | |
| Holdings | 31 | 568 | |
| YTD Return | +7.20% | +16.10% | |
| 1Y Return | +2.32% | +25.99% | |
| 3Y Return (annualized) | - | +18.29% | |
| 5Y Return (annualized) | - | +12.35% | |
| Volatility (annualized) | 15.7% | 14.6% | |
| Max Drawdown | -16.2% | -58.8% | |
| Fund Family | Bancreek Capital Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 21, 2024 | Nov 10, 2006 |
BCIL vs VYM Performance
Bancreek International Large Cap ETF (BCIL) is a ETF from Bancreek Capital Advisors and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year BCIL returned +2.32% while VYM returned +25.99%. Year to date, BCIL is up 7.20% versus a gain of 16.10% for VYM.
Risk: Volatility and Drawdowns
BCIL has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 14.6% for VYM. 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 -58.8% for VYM. 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BCIL charges 0.80% per year while VYM charges 0.04%. On a $10,000 position that is $80 vs $4 annually, a gap of $76 per year that compounds over a long holding period. On income, BCIL currently yields 0.74% against 2.86% for VYM.
Holdings Overlap
BCIL and VYM share 0 holdings out of 588 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 VYM?
BCIL has an expense ratio of 0.80% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, BCIL or VYM?
Over the past year BCIL returned +2.32% vs +25.99% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), BCIL annualized +8.27% vs +7.08% for VYM. Past performance does not guarantee future results.
Which is riskier, BCIL or VYM?
BCIL has been the more volatile fund at 15.7% annualized versus 14.6% for VYM. Worst drawdown: BCIL -16.2% vs VYM -58.8%.
Should I hold both BCIL and VYM?
BCIL and VYM have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BCIL and VYM?
BCIL and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 588 unique securities.
Which pays a higher dividend, BCIL or VYM?
BCIL yields 0.74% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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