TLCI vs VTI
Touchstone International Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | TLCI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.37% | 0.03% | |
| AUM | $115M | $666.9B | |
| Dividend Yield | 0.58% | 1.07% | |
| Holdings | 34 | 3,543 | |
| YTD Return | +7.03% | +13.14% | |
| 1Y Return | +7.85% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 11.7% | 15.3% | |
| Max Drawdown | -12.2% | -56.6% | |
| Fund Family | Touchstone Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 3, 2025 | May 24, 2001 |
TLCI vs VTI Performance
Touchstone International Equity ETF (TLCI) is a ETF from Touchstone Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TLCI returned +7.85% while VTI returned +22.35%. Year to date, TLCI is up 7.03% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.7% for TLCI. 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 -12.2% for TLCI 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TLCI charges 0.37% per year while VTI charges 0.03%. On a $10,000 position that is $37 vs $3 annually, a gap of $34 per year that compounds over a long holding period. On income, TLCI currently yields 0.58% against 1.07% for VTI.
Holdings Overlap
TLCI and VTI share 3 holdings out of 2814 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TLCI or VTI?
TLCI has an expense ratio of 0.37% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, TLCI or VTI?
Over the past year TLCI returned +7.85% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TLCI annualized +8.00% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, TLCI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.7% for TLCI. Worst drawdown: TLCI -12.2% vs VTI -56.6%.
Should I hold both TLCI and VTI?
TLCI and VTI have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TLCI and VTI?
TLCI and VTI share 3 common holdings with a 0.6% weight overlap. Combined, they hold 2814 unique securities.
Which pays a higher dividend, TLCI or VTI?
TLCI yields 0.58% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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