MBCC vs VTI
Monarch Blue Chips Core Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MBCC or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 44.5%.
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 | MBCC | VTI |
|---|---|---|
| Expense Ratio | 1.14% | 0.03%Best |
| AUM | $184M | $666.9B |
| Dividend Yield | 0.35% | 1.03% |
| Holdings | 26 | 3,543 |
| Volatility (annualized) | 16.5% | 15.8%Best |
| Max Drawdown | -30.6% | -25.4%Best |
| $10,000 over 5.2 years | $16,253 | $19,937Best |
| Top 10 Weight | 44.5% | 33.3%Best |
| Fund Family | Monarch Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Mar 23, 2021 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 111 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. MBCC has data through Jun 2, 2026 and VTI through Sep 21, 2026.
Volatility and max drawdown, and the $10,000 over 5.2 years row, are measured over the window both funds cover: Mar 24, 2021 to Jun 2, 2026 (5.2 years).
Risk: Volatility and Drawdowns
MBCC has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 15.8% 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 -25.4% 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 0.94. 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 1.03% for VTI.
Holdings Overlap
99.9% of MBCC's money is in holdings VTI also owns. 33.2% of VTI's money is in holdings MBCC also owns.
Most of MBCC is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 122 days apart, MBCC as of Mar 31, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
24 positions in common, counted across the 24 positions we hold weights for in MBCC and 3,463 in VTI, against full books of 26 and 3,543.
What only one of them owns
Our book lists 1,126 positions for VTI that do not appear in our book for MBCC (64.3% of the fund), and 0 for MBCC that do not appear in VTI (0.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in MBCC | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 4.42% | 6.40% | 1.98% |
| AAPLApple, Inc | 4.32% | 6.29% | 1.97% |
| MSFTMicrosoft Corp | 4.19% | 4.79% | 0.60% |
| AMZNAmazon.Com Inc | 4.47% | 3.65% | 0.82% |
| AVGOBroadcom Inc | 4.34% | 2.56% | 1.78% |
| AMDAdvanced Micro Devices Inc | 4.85% | 1.08% | 3.77% |
| METAMeta Platforms Inc | 3.90% | 1.70% | 2.20% |
| LLYEli Lilly & Co. | 3.89% | 1.35% | 2.54% |
| PLTRPalantir Technologies Inc | 4.76% | 0.37% | 4.39% |
| WMTWalmart, Inc. | 4.37% | 0.68% | 3.69% |
99.9% of MBCC 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, MBCC or VTI?
MBCC has an expense ratio of 1.14% while VTI charges 0.03%. VTI is the cheaper option, by $111 a year on a $10,000 investment.
Which is riskier, MBCC or VTI?
MBCC has been the more volatile fund at 16.5% annualized versus 15.8% for VTI. Worst drawdown: MBCC -30.6% vs VTI -25.4%.
Should I hold both MBCC and VTI?
MBCC and VTI have a monthly-return correlation of 0.94, 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 MBCC and VTI?
99.9% of MBCC's money is in holdings VTI also owns. 33.2% of VTI's is in holdings MBCC also owns. They hold 24 positions in common, counted across the 24 positions we hold weights for in MBCC and 3,463 in VTI.
Which pays a higher dividend, MBCC or VTI?
MBCC yields 0.35% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than MBCC?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 44.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.