BPI vs VTI
Grayscale Bitcoin Premium Income 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 | BPI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $3M | $663.5B | |
| Dividend Yield | 29.66% | 1.07% | |
| Holdings | 6 | 3,543 | |
| YTD Return | -25.93% | +13.87% | |
| 1Y Return | -43.05% | +23.31% | |
| 3Y Return (annualized) | - | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 34.7% | 15.3% | |
| Max Drawdown | -49.2% | -56.6% | |
| Fund Family | Grayscale | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Apr 2, 2025 | May 24, 2001 |
BPI vs VTI Performance
Grayscale Bitcoin Premium Income ETF (BPI) is a ETF from Grayscale and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BPI returned -43.05% while VTI returned +23.31%. Year to date, BPI is down 25.93% versus a gain of 13.87% for VTI.
Risk: Volatility and Drawdowns
BPI has been the more volatile fund, with annualized monthly volatility of 34.7% 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 -49.2% for BPI 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BPI charges 0.65% per year while VTI charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, BPI currently yields 29.66% against 1.07% for VTI.
Holdings Overlap
BPI and VTI share 0 holdings out of 2784 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, BPI or VTI?
BPI has an expense ratio of 0.65% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, BPI or VTI?
Over the past year BPI returned -43.05% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), BPI annualized -19.42% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, BPI or VTI?
BPI has been the more volatile fund at 34.7% annualized versus 15.3% for VTI. Worst drawdown: BPI -49.2% vs VTI -56.6%.
Should I hold both BPI and VTI?
BPI and VTI have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BPI and VTI?
BPI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, BPI or VTI?
BPI yields 29.66% while VTI yields 1.07%, so BPI currently pays the higher dividend yield.
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