VTI vs YCLO
Vanguard Morningstar Total Stock Market ETF vs Franklin BSP CLO ETF
Which is better, VTI or YCLO?
Large Cap Blend against Bank Loan.
VTI has a lower expense ratio.
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 | VTI | YCLO |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.35% |
| AUM | $666.9B | $50M |
| Dividend Yield | 1.07% | 0.31% |
| Holdings | 3,543 | 43 |
| YTD Return | +13.59%Best | +1.58% |
| 1Y Return | +20.00% | - |
| 3Y Return (annualized) | +20.95% | - |
| 5Y Return (annualized) | +11.81% | - |
| Fund Family | Vanguard (US) | Franklin Templeton Investments (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Bank Loan |
| Inception | May 24, 2001 | Jun 2, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
VTI vs YCLO growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
VTI vs YCLO Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Franklin BSP CLO ETF (YCLO) is an ETF from Franklin Templeton Investments (US). Year to date, VTI is up 13.59% versus a gain of 1.58% for YCLO.
Past performance does not guarantee future results.
Fees and Cost Over Time
VTI charges 0.03% per year while YCLO charges 0.35%. On a $10,000 position that is $3 vs $35 annually, a gap of $32 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.31% for YCLO.
Holdings Overlap
We hold position weights for 2,787 holdings in VTI and 2 in YCLO, totalling 92.3% and 1.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 48 days apart, VTI as of Jun 30, 2026 and YCLO as of Aug 17, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 2,787 positions we hold weights for in VTI and 2 in YCLO, against full books of 3,543 and 43.
You are not choosing between two funds in isolation.
Whichever of VTI and YCLO you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or YCLO?
VTI has an expense ratio of 0.03% while YCLO charges 0.35%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which pays a higher dividend, VTI or YCLO?
VTI yields 1.07% while YCLO yields 0.31%, so VTI currently pays the higher dividend yield.
Is YCLO better than VTI?
VTI has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.