PCIG vs VTI
PCIG vs VTI
Polen Capital International Growth 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 | PCIG | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.03% | |
| AUM | $26M | $663.5B | |
| Dividend Yield | 0.15% | 1.07% | |
| Holdings | 33 | 3,543 | |
| YTD Return | -0.77% | +14.20% | |
| 1Y Return | -3.22% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 14.2% | 15.3% | |
| Max Drawdown | -23.4% | -56.6% | |
| Fund Family | iMGP Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 1, 2024 | May 24, 2001 |
PCIG vs VTI Performance
Polen Capital International Growth ETF (PCIG) is a ETF from iMGP Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PCIG returned -3.22% while VTI returned +24.16%. Year to date, PCIG is down 0.77% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.2% for PCIG. 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 -23.4% for PCIG 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PCIG charges 0.85% per year while VTI charges 0.03%. On a $10,000 position that is $85 vs $3 annually, a gap of $82 per year that compounds over a long holding period. On income, PCIG currently yields 0.15% against 1.07% for VTI.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, PCIG or VTI?
PCIG has an expense ratio of 0.85% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, PCIG or VTI?
Over the past year PCIG returned -3.22% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), PCIG annualized -3.63% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, PCIG or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.2% for PCIG. Worst drawdown: PCIG -23.4% vs VTI -56.6%.
Should I hold both PCIG and VTI?
PCIG and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PCIG and VTI?
PCIG and VTI share 2 common holdings with a 0.1% weight overlap. Combined, they hold 2811 unique securities.
Which pays a higher dividend, PCIG or VTI?
PCIG yields 0.15% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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