BSCY vs VTI
Invesco BulletShares 2034 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 | BSCY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $561M | $666.9B | |
| Dividend Yield | 4.95% | 1.07% | |
| Holdings | 296 | 3,543 | |
| YTD Return | -0.36% | +12.65% | |
| 1Y Return | +2.52% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 4.7% | 15.3% | |
| Max Drawdown | -5.1% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 12, 2024 | May 24, 2001 |
BSCY vs VTI Performance
Invesco BulletShares 2034 Corporate Bond ETF (BSCY) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BSCY returned +2.52% while VTI returned +21.39%. Year to date, BSCY is down 0.36% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.7% for BSCY. 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 -5.1% for BSCY 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BSCY 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, BSCY currently yields 4.95% against 1.07% for VTI.
Holdings Overlap
BSCY and VTI share 1 holdings out of 3076 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 BSCY | Weight in VTI | Difference |
|---|---|---|---|
| DVN | 0.19% | 0.07% | 0.12% |
Frequently Asked Questions
Which is cheaper, BSCY or VTI?
BSCY 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, BSCY or VTI?
Over the past year BSCY returned +2.52% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), BSCY annualized +5.20% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, BSCY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.7% for BSCY. Worst drawdown: BSCY -5.1% vs VTI -56.6%.
Should I hold both BSCY and VTI?
BSCY and VTI have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSCY and VTI?
BSCY and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 3076 unique securities.
Which pays a higher dividend, BSCY or VTI?
BSCY yields 4.95% while VTI yields 1.07%, so BSCY currently pays the higher dividend yield.
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