MBCC vs VTI
Monarch Blue Chips Core Index 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 | MBCC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.14% | 0.03% | |
| AUM | $184M | $663.5B | |
| Dividend Yield | 0.35% | 1.07% | |
| Holdings | 26 | 3,543 | |
| YTD Return | +7.90% | +13.87% | |
| 1Y Return | +13.18% | +23.31% | |
| 3Y Return (annualized) | +15.61% | +21.17% | |
| 5Y Return (annualized) | +8.49% | +12.23% | |
| Volatility (annualized) | 16.5% | 15.3% | |
| Max Drawdown | -30.6% | -56.6% | |
| Fund Family | Monarch Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 23, 2021 | May 24, 2001 |
MBCC vs VTI Performance
Monarch Blue Chips Core Index ETF (MBCC) is a ETF from Monarch Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MBCC returned +13.18% while VTI returned +23.31%. Year to date, MBCC is up 7.90% versus a gain of 13.87% for VTI.
Over three years, MBCC compounded at +15.61% per year against +21.17% for VTI; over five years the annualized figures are +8.49% and +12.23% respectively. Across the full 5-year window we track, MBCC has the edge at +9.79% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MBCC has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 15.3% 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 -30.6% for MBCC 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
MBCC charges 1.14% per year while VTI charges 0.03%. On a $10,000 position that is $114 vs $3 annually, a gap of $111 per year that compounds over a long holding period. On income, MBCC currently yields 0.35% against 1.07% for VTI.
Holdings Overlap
MBCC and VTI share 24 holdings out of 2783 unique holdings combined, representing a 27.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MBCC or VTI?
MBCC has an expense ratio of 1.14% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $111 per year of difference.
Which performed better, MBCC or VTI?
Over the past year MBCC returned +13.18% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), MBCC annualized +9.79% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, MBCC or VTI?
MBCC has been the more volatile fund at 16.5% annualized versus 15.3% for VTI. Worst drawdown: MBCC -30.6% vs VTI -56.6%.
Should I hold both MBCC and VTI?
MBCC and VTI have a monthly-return correlation of 0.94, 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 MBCC and VTI?
MBCC and VTI share 24 common holdings with a 27.8% weight overlap. Combined, they hold 2783 unique securities.
Which pays a higher dividend, MBCC or VTI?
MBCC yields 0.35% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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