BSCU vs VTI
Invesco BulletShares 2030 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 | BSCU | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $2.7B | $666.9B | |
| Dividend Yield | 4.63% | 1.07% | |
| Holdings | 447 | 3,543 | |
| YTD Return | +0.52% | +12.65% | |
| 1Y Return | +2.71% | +21.39% | |
| 3Y Return (annualized) | +6.40% | +21.54% | |
| 5Y Return (annualized) | +0.41% | +12.11% | |
| Volatility (annualized) | 7.3% | 15.3% | |
| Max Drawdown | -22.5% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 16, 2020 | May 24, 2001 |
BSCU vs VTI Performance
Invesco BulletShares 2030 Corporate Bond ETF (BSCU) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BSCU returned +2.71% while VTI returned +21.39%. Year to date, BSCU is up 0.52% versus a gain of 12.65% for VTI.
Over three years, BSCU compounded at +6.40% per year against +21.54% for VTI; over five years the annualized figures are +0.41% and +12.11% respectively. Across the full 6-year window we track, VTI has the edge at +8.07% annualized vs +0.33%. 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 7.3% for BSCU. 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 -22.5% for BSCU 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BSCU 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, BSCU currently yields 4.63% against 1.07% for VTI.
Holdings Overlap
BSCU and VTI share 1 holdings out of 3186 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BSCU | Weight in VTI | Difference |
|---|---|---|---|
| GMT | 0.13% | 0.00% | 0.13% |
Frequently Asked Questions
Which is cheaper, BSCU or VTI?
BSCU 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, BSCU or VTI?
Over the past year BSCU returned +2.71% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), BSCU annualized +0.33% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, BSCU or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.3% for BSCU. Worst drawdown: BSCU -22.5% vs VTI -56.6%.
Should I hold both BSCU and VTI?
BSCU and VTI have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSCU and VTI?
BSCU and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3186 unique securities.
Which pays a higher dividend, BSCU or VTI?
BSCU yields 4.63% while VTI yields 1.07%, so BSCU currently pays the higher dividend yield.
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