BSCS vs VTI
Invesco BulletShares 2028 Corporate Bond 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 | BSCS | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $3.5B | $666.9B | |
| Dividend Yield | 4.45% | 1.07% | |
| Holdings | 474 | 3,543 | |
| YTD Return | +1.46% | +12.65% | |
| 1Y Return | +3.57% | +21.39% | |
| 3Y Return (annualized) | +6.11% | +21.54% | |
| 5Y Return (annualized) | +1.24% | +12.11% | |
| Volatility (annualized) | 6.5% | 15.3% | |
| Max Drawdown | -18.4% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 9, 2018 | May 24, 2001 |
BSCS vs VTI Performance
Invesco BulletShares 2028 Corporate Bond ETF (BSCS) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BSCS returned +3.57% while VTI returned +21.39%. Year to date, BSCS is up 1.46% versus a gain of 12.65% for VTI.
Over three years, BSCS compounded at +6.11% per year against +21.54% for VTI; over five years the annualized figures are +1.24% and +12.11% respectively. Across the full 8-year window we track, VTI has the edge at +8.07% annualized vs +2.75%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.5% for BSCS. 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 -18.4% for BSCS 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BSCS charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, BSCS currently yields 4.45% against 1.07% for VTI.
Holdings Overlap
BSCS and VTI share 1 holdings out of 3216 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BSCS | Weight in VTI | Difference |
|---|---|---|---|
| PYPL | 0.15% | 0.05% | 0.10% |
Frequently Asked Questions
Which is cheaper, BSCS or VTI?
BSCS has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, BSCS or VTI?
Over the past year BSCS returned +3.57% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), BSCS annualized +2.75% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, BSCS or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.5% for BSCS. Worst drawdown: BSCS -18.4% vs VTI -56.6%.
Should I hold both BSCS and VTI?
BSCS and VTI have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSCS and VTI?
BSCS and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 3216 unique securities.
Which pays a higher dividend, BSCS or VTI?
BSCS yields 4.45% while VTI yields 1.07%, so BSCS currently pays the higher dividend yield.
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