INCO vs VTI
Columbia India Consumer 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 | INCO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.03% | |
| AUM | $225M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 34 | 3,543 | |
| YTD Return | -4.43% | +14.82% | |
| 1Y Return | -1.70% | +22.43% | |
| 3Y Return (annualized) | +9.22% | +21.93% | |
| 5Y Return (annualized) | +7.84% | +12.34% | |
| Volatility (annualized) | 21.5% | 15.4% | |
| Max Drawdown | -47.7% | -56.6% | |
| Fund Family | Columbia Threadneedle Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 10, 2011 | May 24, 2001 |
INCO vs VTI Performance
Columbia India Consumer ETF (INCO) is a ETF from Columbia Threadneedle Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year INCO returned -1.70% while VTI returned +22.43%. Year to date, INCO is down 4.43% versus a gain of 14.82% for VTI.
Over three years, INCO compounded at +9.22% per year against +21.93% for VTI; over five years the annualized figures are +7.84% and +12.34% respectively. Across the full 15-year window we track, INCO has the edge at +9.58% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INCO has been the more volatile fund, with annualized monthly volatility of 21.5% compared with 15.4% 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 -47.7% for INCO 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INCO charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, INCO currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
INCO and VTI share 0 holdings out of 2817 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, INCO or VTI?
INCO has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, INCO or VTI?
Over the past year INCO returned -1.70% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), INCO annualized +9.58% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, INCO or VTI?
INCO has been the more volatile fund at 21.5% annualized versus 15.4% for VTI. Worst drawdown: INCO -47.7% vs VTI -56.6%.
Should I hold both INCO and VTI?
INCO and VTI have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INCO and VTI?
INCO and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2817 unique securities.
Which pays a higher dividend, INCO or VTI?
INCO yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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