EIC vs VTI
EIC vs VTI
Eagle Point Income Co Inc 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 | EIC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 7.19% | 0.03% | |
| AUM | $290M | $663.5B | |
| Dividend Yield | 11.54% | 1.07% | |
| Holdings | 150 | 3,543 | |
| YTD Return | -5.21% | +14.20% | |
| 1Y Return | -7.28% | +24.16% | |
| 3Y Return (annualized) | +4.18% | +21.12% | |
| 5Y Return (annualized) | +2.76% | +12.37% | |
| Volatility (annualized) | 24.4% | 15.3% | |
| Max Drawdown | -68.9% | -56.6% | |
| Fund Family | Eagle Point Credit Company | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 23, 2019 | May 24, 2001 |
EIC vs VTI Performance
Eagle Point Income Co Inc (EIC) is a ETF from Eagle Point Credit Company and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EIC returned -7.28% while VTI returned +24.16%. Year to date, EIC is down 5.21% versus a gain of 14.20% for VTI.
Over three years, EIC compounded at +4.18% per year against +21.12% for VTI; over five years the annualized figures are +2.76% and +12.37% respectively. Across the full 7-year window we track, VTI has the edge at +8.14% annualized vs +0.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EIC has been the more volatile fund, with annualized monthly volatility of 24.4% 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 -68.9% for EIC 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EIC charges 7.19% per year while VTI charges 0.03%. On a $10,000 position that is $719 vs $3 annually, a gap of $716 per year that compounds over a long holding period. On income, EIC currently yields 11.54% against 1.07% for VTI.
Holdings Overlap
EIC and VTI share 0 holdings out of 2785 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, EIC or VTI?
EIC has an expense ratio of 7.19% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $716 per year of difference.
Which performed better, EIC or VTI?
Over the past year EIC returned -7.28% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), EIC annualized +0.10% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, EIC or VTI?
EIC has been the more volatile fund at 24.4% annualized versus 15.3% for VTI. Worst drawdown: EIC -68.9% vs VTI -56.6%.
Should I hold both EIC and VTI?
EIC and VTI have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EIC and VTI?
EIC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, EIC or VTI?
EIC yields 11.54% while VTI yields 1.07%, so EIC currently pays the higher dividend yield.
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