BCLO vs VTI
iShares BBB-B CLO Active ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | BCLO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $84M | $666.9B | |
| Dividend Yield | 6.57% | 1.07% | |
| Holdings | 54 | 3,543 | |
| YTD Return | +3.87% | +14.82% | |
| 1Y Return | +6.33% | +22.43% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 2.9% | 15.4% | |
| Max Drawdown | -3.9% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 29, 2025 | May 24, 2001 |
BCLO vs VTI Performance
iShares BBB-B CLO Active ETF (BCLO) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BCLO returned +6.33% while VTI returned +22.43%. Year to date, BCLO is up 3.87% versus a gain of 14.82% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 2.9% for BCLO. 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 -3.9% for BCLO 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BCLO charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, BCLO currently yields 6.57% against 1.07% for VTI.
Holdings Overlap
BCLO and VTI share 0 holdings out of 2792 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, BCLO or VTI?
BCLO has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, BCLO or VTI?
Over the past year BCLO returned +6.33% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), BCLO annualized +7.01% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, BCLO or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 2.9% for BCLO. Worst drawdown: BCLO -3.9% vs VTI -56.6%.
Should I hold both BCLO and VTI?
BCLO and VTI 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 BCLO and VTI?
BCLO and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2792 unique securities.
Which pays a higher dividend, BCLO or VTI?
BCLO yields 6.57% while VTI yields 1.07%, so BCLO currently pays the higher dividend yield.
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