EIC vs VTI
Eagle Point Income Co Inc vs Vanguard Morningstar Total Stock Market ETF
Which is better, EIC or VTI?
High Yield Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | EIC | VTI |
|---|---|---|
| Expense Ratio | 7.19% | 0.03%Best |
| AUM | $23M | $666.9B |
| Dividend Yield | 11.22% | 1.03% |
| Holdings | 150 | 3,543 |
| YTD Return | -6.21% | +12.30%Best |
| 1Y Return | -15.76% | +16.08%Best |
| 3Y Return (annualized) | +1.12% | +21.01%Best |
| 5Y Return (annualized) | +2.09% | +12.36%Best |
| Volatility (annualized) | 24.2% | 16.9%Best |
| Max Drawdown | -68.9% | -35.0%Best |
| $10,000 over 5 years | $11,090 | $17,908Best |
| Fund Family | Eagle Point Credit Company | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Blend |
| Inception | Jul 23, 2019 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jul 24, 2019 to Sep 18, 2026 (7.2 years).
EIC vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 7.2 years both funds cover.
EIC vs VTI Performance
Eagle Point Income Co Inc (EIC) is an ETF from Eagle Point Credit Company and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year EIC returned -15.76% while VTI returned +16.08%. Year to date, EIC is down 6.21% versus a gain of 12.30% for VTI.
Over three years, EIC compounded at +1.12% per year against +21.01% for VTI; over five years the annualized figures are +2.09% and +12.36% respectively. Across the full 7-year window we track, VTI has the edge at +14.47% annualized vs -0.05%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EIC has been the more volatile fund, with annualized monthly volatility of 24.2% compared with 16.9% 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 -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.37. They move together some of the time, and apart the rest.
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 11.22% against 1.03% for VTI.
You are not choosing between two funds in isolation.
Whichever of EIC and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $716 a year on a $10,000 investment.
Which performed better, EIC or VTI?
Over the past year EIC returned -15.76% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), EIC annualized -0.05% vs +14.47% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, EIC or VTI?
EIC has been the more volatile fund at 24.2% annualized versus 16.9% for VTI. Worst drawdown: EIC -68.9% vs VTI -35.0%.
Should I hold both EIC and VTI?
EIC and VTI have a monthly-return correlation of 0.37, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, EIC or VTI?
EIC yields 11.22% while VTI yields 1.03%, so EIC currently pays the higher dividend yield.
Is VTI better than EIC?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.