LCF vs VTI
Touchstone US Large Cap Focused ETF 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 | LCF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.56% | 0.03% | |
| AUM | $66M | $663.5B | |
| Dividend Yield | 0.54% | 1.07% | |
| Holdings | 47 | 3,543 | |
| YTD Return | +9.90% | +14.22% | |
| 1Y Return | +15.43% | +22.19% | |
| 3Y Return (annualized) | +17.56% | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 14.1% | 15.3% | |
| Max Drawdown | -18.3% | -56.6% | |
| Fund Family | Touchstone Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jul 27, 2022 | May 24, 2001 |
LCF vs VTI Performance
Touchstone US Large Cap Focused ETF (LCF) is a ETF from Touchstone Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year LCF returned +15.43% while VTI returned +22.19%. Year to date, LCF is up 9.90% versus a gain of 14.22% for VTI.
Over three years, LCF compounded at +17.56% per year against +21.27% for VTI. Across the full 4-year window we track, LCF has the edge at +16.40% annualized vs +8.14%. 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 14.1% for LCF. 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 -18.3% for LCF 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
LCF charges 0.56% per year while VTI charges 0.03%. On a $10,000 position that is $56 vs $3 annually, a gap of $53 per year that compounds over a long holding period. On income, LCF currently yields 0.54% against 1.07% for VTI.
Holdings Overlap
LCF and VTI share 41 holdings out of 2787 unique holdings combined, representing a 35.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LCF or VTI?
LCF has an expense ratio of 0.56% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $53 per year of difference.
Which performed better, LCF or VTI?
Over the past year LCF returned +15.43% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), LCF annualized +16.40% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, LCF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.1% for LCF. Worst drawdown: LCF -18.3% vs VTI -56.6%.
Should I hold both LCF and VTI?
LCF and VTI have a monthly-return correlation of 0.96, 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 LCF and VTI?
LCF and VTI share 41 common holdings with a 35.3% weight overlap. Combined, they hold 2787 unique securities.
Which pays a higher dividend, LCF or VTI?
LCF yields 0.54% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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