BRIF vs VTI
FIS Bright Portfolios Focused Equity 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 | BRIF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $154M | $663.5B | |
| Dividend Yield | 0.42% | 1.07% | |
| Holdings | 48 | 3,543 | |
| YTD Return | +2.53% | +14.96% | |
| 1Y Return | +16.36% | +22.39% | |
| 3Y Return (annualized) | - | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 9.2% | 15.4% | |
| Max Drawdown | -17.2% | -56.6% | |
| Fund Family | Faith Investor Services | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 20, 2024 | May 24, 2001 |
BRIF vs VTI Performance
FIS Bright Portfolios Focused Equity ETF (BRIF) is a ETF from Faith Investor Services and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BRIF returned +16.36% while VTI returned +22.39%. Year to date, BRIF is up 2.53% versus a gain of 14.96% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 9.2% for BRIF. 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 -17.2% for BRIF 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
BRIF 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, BRIF currently yields 0.42% against 1.07% for VTI.
Holdings Overlap
BRIF and VTI share 42 holdings out of 2788 unique holdings combined, representing a 20.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BRIF or VTI?
BRIF 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, BRIF or VTI?
Over the past year BRIF returned +16.36% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), BRIF annualized +19.18% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, BRIF or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 9.2% for BRIF. Worst drawdown: BRIF -17.2% vs VTI -56.6%.
Should I hold both BRIF and VTI?
BRIF and VTI have a monthly-return correlation of 0.92, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between BRIF and VTI?
BRIF and VTI share 42 common holdings with a 20.4% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, BRIF or VTI?
BRIF yields 0.42% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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