INCE vs VTI
Franklin Income Equity Focus ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. INCE delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | INCE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.03% | |
| AUM | $282M | $666.9B | |
| Dividend Yield | 4.86% | 1.07% | |
| Holdings | 97 | 3,543 | |
| YTD Return | +16.29% | +12.65% | |
| 1Y Return | +23.16% | +21.39% | |
| 3Y Return (annualized) | +17.40% | +21.54% | |
| 5Y Return (annualized) | +10.71% | +12.11% | |
| Volatility (annualized) | 13.8% | 15.3% | |
| Max Drawdown | -34.1% | -56.6% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 20, 2016 | May 24, 2001 |
INCE vs VTI Performance
Franklin Income Equity Focus ETF (INCE) is a ETF from Franklin Templeton Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year INCE returned +23.16% while VTI returned +21.39%. Year to date, INCE is up 16.29% versus a gain of 12.65% for VTI.
Over three years, INCE compounded at +17.40% per year against +21.54% for VTI; over five years the annualized figures are +10.71% and +12.11% respectively. Across the full 10-year window we track, INCE has the edge at +12.52% annualized vs +8.07%. 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 13.8% for INCE. 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 -34.1% for INCE 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
INCE charges 0.29% per year while VTI charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, INCE currently yields 4.86% against 1.07% for VTI.
Holdings Overlap
INCE and VTI share 49 holdings out of 2797 unique holdings combined, representing a 13.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, INCE or VTI?
INCE has an expense ratio of 0.29% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, INCE or VTI?
Over the past year INCE returned +23.16% vs +21.39% for VTI, so INCE leads on 1-year performance. Over the longest common window we track (10 years), INCE annualized +12.52% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, INCE or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.8% for INCE. Worst drawdown: INCE -34.1% vs VTI -56.6%.
Should I hold both INCE and VTI?
INCE and VTI have a monthly-return correlation of 0.92, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between INCE and VTI?
INCE and VTI share 49 common holdings with a 13.1% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, INCE or VTI?
INCE yields 4.86% while VTI yields 1.07%, so INCE currently pays the higher dividend yield.
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