ADFI vs BSCU

ADFI vs BSCU

Which is better, ADFI or BSCU?

Nearly the same fund. BSCU costs less.

BSCU has a lower expense ratio. ADFI led over 1Y, BSCU over the full window. The two have moved almost in lockstep, correlation 0.96.

Lower Fees: BSCUHigher Returns: split

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

MetricADFIBSCU
Expense Ratio1.68%0.10%Best
AUM$50M$2.8B
Dividend Yield3.26%4.71%
Holdings40901
Volatility (annualized)5.4%Best7.4%
Max Drawdown-17.7%Best-22.5%
$10,000 over 5.8 years$9,495$10,134Best
Fund FamilyRegents Park Funds, LLCInvesco (US)
CategoryFixed IncomeFixed Income
InceptionAug 18, 2020Sep 16, 2020

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight, Style.

The two price series end 83 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. ADFI has data through Jul 23, 2026 and BSCU through Oct 14, 2026.

Volatility and max drawdown, and the $10,000 over 5.8 years row, are measured over the window both funds cover: Sep 17, 2020 to Jul 23, 2026 (5.8 years).

Compare ADFI against instead:ADFI vs SPYADFI vs QQQADFI vs VOOADFI vs VTIBSCU against:BSCU vs VXUS

Risk: Volatility and Drawdowns

BSCU has been the more volatile fund, with annualized monthly volatility of 7.4% compared with 5.4% for ADFI. 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 -17.7% for ADFI and -22.5% for BSCU. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.

Fees and Cost Over Time

ADFI charges 1.68% per year while BSCU charges 0.10%. On a $10,000 position that is $168 vs $10 annually, a gap of $158 per year that compounds over a long holding period. On income, ADFI currently yields 3.26% against 4.71% for BSCU.

You are not choosing between two funds in isolation.

Whichever of ADFI and BSCU you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

ADFIBSCU

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Frequently Asked Questions

Which is cheaper, ADFI or BSCU?

ADFI has an expense ratio of 1.68% while BSCU charges 0.10%. BSCU is the cheaper option, by $158 a year on a $10,000 investment.

Which is riskier, ADFI or BSCU?

BSCU has been the more volatile fund at 7.4% annualized versus 5.4% for ADFI. Worst drawdown: ADFI -17.7% vs BSCU -22.5%.

Should I hold both ADFI and BSCU?

ADFI and BSCU have a monthly-return correlation of 0.96, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.

Which pays a higher dividend, ADFI or BSCU?

ADFI yields 3.26% while BSCU yields 4.71%, so BSCU currently pays the higher dividend yield.

Is BSCU better than ADFI?

BSCU has a lower expense ratio. ADFI led over 1Y, BSCU over the full window. The two have moved almost in lockstep, correlation 0.96. Which one suits a particular account depends on what it is for. This is information, not a recommendation.