BCUS vs VTI
Bancreek US 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 | BCUS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.70% | 0.03% | |
| AUM | $152M | $663.5B | |
| Dividend Yield | 0.27% | 1.07% | |
| Holdings | 31 | 3,543 | |
| YTD Return | +11.21% | +14.20% | |
| 1Y Return | +14.28% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 12.5% | 15.3% | |
| Max Drawdown | -18.2% | -56.6% | |
| Fund Family | Bancreek Capital Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 20, 2023 | May 24, 2001 |
BCUS vs VTI Performance
Bancreek US Large Cap ETF (BCUS) is a ETF from Bancreek Capital Advisors and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BCUS returned +14.28% while VTI returned +24.16%. Year to date, BCUS is up 11.21% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.5% for BCUS. 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 -18.2% for BCUS 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BCUS charges 0.70% per year while VTI charges 0.03%. On a $10,000 position that is $70 vs $3 annually, a gap of $67 per year that compounds over a long holding period. On income, BCUS currently yields 0.27% against 1.07% for VTI.
Holdings Overlap
BCUS and VTI share 27 holdings out of 2786 unique holdings combined, representing a 12.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BCUS or VTI?
BCUS has an expense ratio of 0.70% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $67 per year of difference.
Which performed better, BCUS or VTI?
Over the past year BCUS returned +14.28% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), BCUS annualized +15.07% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, BCUS or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.5% for BCUS. Worst drawdown: BCUS -18.2% vs VTI -56.6%.
Should I hold both BCUS and VTI?
BCUS and VTI have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BCUS and VTI?
BCUS and VTI share 27 common holdings with a 12.1% weight overlap. Combined, they hold 2786 unique securities.
Which pays a higher dividend, BCUS or VTI?
BCUS yields 0.27% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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