PSCF vs VTI
Invesco S&P SmallCap Financials ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. PSCF delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | PSCF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.03% | |
| AUM | $28M | $666.9B | |
| Dividend Yield | 2.12% | 1.07% | |
| Holdings | 168 | 3,543 | |
| YTD Return | +17.57% | +13.38% | |
| 1Y Return | +22.23% | +21.12% | |
| 3Y Return (annualized) | +18.57% | +21.85% | |
| 5Y Return (annualized) | +6.05% | +12.44% | |
| Volatility (annualized) | 19.6% | 15.3% | |
| Max Drawdown | -49.9% | -56.6% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 7, 2010 | May 24, 2001 |
PSCF vs VTI Performance
Invesco S&P SmallCap Financials ETF (PSCF) is a ETF from Invesco (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PSCF returned +22.23% while VTI returned +21.12%. Year to date, PSCF is up 17.57% versus a gain of 13.38% for VTI.
Over three years, PSCF compounded at +18.57% per year against +21.85% for VTI; over five years the annualized figures are +6.05% and +12.44% respectively. Across the full 16-year window we track, VTI has the edge at +8.10% annualized vs +6.97%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PSCF has been the more volatile fund, with annualized monthly volatility of 19.6% 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 -49.9% for PSCF 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PSCF charges 0.29% per year while VTI charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, PSCF currently yields 2.12% against 1.07% for VTI.
Holdings Overlap
PSCF and VTI share 134 holdings out of 2819 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PSCF or VTI?
PSCF has an expense ratio of 0.29% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, PSCF or VTI?
Over the past year PSCF returned +22.23% vs +21.12% for VTI, so PSCF leads on 1-year performance. Over the longest common window we track (16 years), PSCF annualized +6.97% vs +8.10% for VTI. Past performance does not guarantee future results.
Which is riskier, PSCF or VTI?
PSCF has been the more volatile fund at 19.6% annualized versus 15.3% for VTI. Worst drawdown: PSCF -49.9% vs VTI -56.6%.
Should I hold both PSCF and VTI?
PSCF and VTI have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PSCF and VTI?
PSCF and VTI share 134 common holdings with a 0.0% weight overlap. Combined, they hold 2819 unique securities.
Which pays a higher dividend, PSCF or VTI?
PSCF yields 2.12% while VTI yields 1.07%, so PSCF currently pays the higher dividend yield.
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