LCF vs VTI
Touchstone US Large Cap Focused ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, LCF or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.96. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 55.0%.
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 | LCF | VTI |
|---|---|---|
| Expense Ratio | 0.56% | 0.03%Best |
| AUM | $69M | $666.9B |
| Dividend Yield | 0.50% | 1.03% |
| Holdings | 46 | 3,543 |
| YTD Return | +10.65% | +14.00%Best |
| 1Y Return | +11.66% | +16.88%Best |
| 3Y Return (annualized) | +19.25% | +22.75%Best |
| 5Y Return (annualized) | - | +12.68% |
| Volatility (annualized) | 14.0%Best | 14.6% |
| Max Drawdown | -18.3%Best | -19.3% |
| $10,000 over 4.1 years | $18,462 | $19,398Best |
| Top 10 Weight | 55.0% | 33.3%Best |
| Fund Family | Touchstone Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jul 27, 2022 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 4.1 years row, are measured over the window both funds cover: Jul 29, 2022 to Sep 21, 2026 (4.1 years).
LCF 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 4.1 years both funds cover.
LCF vs VTI Performance
Touchstone US Large Cap Focused ETF (LCF) is an ETF from Touchstone Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year LCF returned +11.66% while VTI returned +16.88%. Year to date, LCF is up 10.65% versus a gain of 14.00% for VTI.
Over three years, LCF compounded at +19.25% per year against +22.75% for VTI. Across the full 4-year window we track, VTI has the edge at +17.54% annualized vs +16.13%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 14.0% 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 -19.3% 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 0.96. 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 0.50% against 1.03% for VTI.
Holdings Overlap
97.2% of LCF's money is in holdings VTI also owns. 37.7% of VTI's money is in holdings LCF also owns.
Most of LCF is already inside VTI. Owning both mostly buys the same companies twice.
44 positions in common, counted across the 45 positions we hold weights for in LCF and 3,463 in VTI, against full books of 46 and 3,543.
What only one of them owns
Measured across the 45 and 3,463 positions we hold weights for.
VTI holds 1,106 positions LCF does not, 59.8% of the fund.
Largest: GOOGL 2.90%, LLY 1.35%, JPM 1.31%, MU 1.29%, TSLA 1.22%
Top Shared Holdings
| Stock | Weight in LCF | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 7.92% | 6.29% | 1.63% |
| NVDANvidia Corp | 7.71% | 6.40% | 1.31% |
| MSFTMicrosoft Corp | 8.99% | 4.79% | 4.20% |
| GOOGAlphabet Inc | 8.32% | 2.31% | 6.01% |
| AMZNAmazon.Com Inc | 5.72% | 3.65% | 2.07% |
| METAMeta Platforms Inc | 5.39% | 1.70% | 3.69% |
| AVGOBroadcom Inc | 2.21% | 2.56% | 0.35% |
| BACBank of America Corp.: Financials | 3.34% | 0.55% | 2.79% |
| XOMExxon Mobil Corp. | 2.47% | 0.89% | 1.58% |
| VVisa Inc Class A | 2.26% | 0.83% | 1.43% |
97.2% of LCF is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $53 a year on a $10,000 investment.
Which performed better, LCF or VTI?
Over the past year LCF returned +11.66% vs +16.88% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), LCF annualized +16.13% vs +17.54% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LCF or VTI?
VTI has been the more volatile fund at 14.6% annualized versus 14.0% for LCF. Worst drawdown: LCF -18.3% vs VTI -19.3%.
Should I hold both LCF and VTI?
LCF and VTI have a monthly-return correlation of 0.96, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between LCF and VTI?
97.2% of LCF's money is in holdings VTI also owns. 37.7% of VTI's is in holdings LCF also owns. They hold 44 positions in common, counted across the 45 positions we hold weights for in LCF and 3,463 in VTI.
Which pays a higher dividend, LCF or VTI?
LCF yields 0.50% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than LCF?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.96. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 55.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.