TBFC vs VTI
The Brinsmere Fund - Conservative 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 | TBFC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.44% | 0.03% | |
| AUM | $357M | $663.5B | |
| Dividend Yield | 2.99% | 1.07% | |
| Holdings | 28 | 3,543 | |
| YTD Return | +5.58% | +14.22% | |
| 1Y Return | +11.23% | +22.19% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 6.6% | 15.3% | |
| Max Drawdown | -10.0% | -56.6% | |
| Fund Family | Brinsmere Fund | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jan 12, 2024 | May 24, 2001 |
TBFC vs VTI Performance
The Brinsmere Fund - Conservative ETF (TBFC) is a ETF from Brinsmere Fund and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TBFC returned +11.23% while VTI returned +22.19%. Year to date, TBFC is up 5.58% versus a gain of 14.22% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.6% for TBFC. 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 -10.0% for TBFC 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TBFC charges 0.44% per year while VTI charges 0.03%. On a $10,000 position that is $44 vs $3 annually, a gap of $41 per year that compounds over a long holding period. On income, TBFC currently yields 2.99% against 1.07% for VTI.
Holdings Overlap
TBFC and VTI share 0 holdings out of 2810 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, TBFC or VTI?
TBFC has an expense ratio of 0.44% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $41 per year of difference.
Which performed better, TBFC or VTI?
Over the past year TBFC returned +11.23% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), TBFC annualized +9.43% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, TBFC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.6% for TBFC. Worst drawdown: TBFC -10.0% vs VTI -56.6%.
Should I hold both TBFC and VTI?
TBFC and VTI have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TBFC and VTI?
TBFC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2810 unique securities.
Which pays a higher dividend, TBFC or VTI?
TBFC yields 2.99% while VTI yields 1.07%, so TBFC currently pays the higher dividend yield.
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