TLCI vs VTI
Touchstone International Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TLCI or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 41.5%.
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 | TLCI | VTI |
|---|---|---|
| Expense Ratio | 0.37% | 0.03%Best |
| AUM | $110M | $689.2B |
| Dividend Yield | 0.59% | 1.06% |
| Holdings | 64 | 3,524 |
| YTD Return | +1.74% | +13.02%Best |
| 1Y Return | +1.81% | +16.63%Best |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 12.0% | 11.6%Best |
| Max Drawdown | -12.2%Best | -14.9% |
| $10,000 over 1.6 years | $10,635 | $13,366Best |
| Top 10 Weight | 41.5% | 33.5%Best |
| Fund Family | Touchstone Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Mar 3, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.6 years row, are measured over the window both funds cover: Mar 5, 2025 to Oct 14, 2026 (1.6 years).
TLCI vs VTI 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 covers the 1.6 years both funds cover.
TLCI vs VTI Performance
Touchstone International Equity ETF (TLCI) is an ETF from Touchstone Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TLCI returned +1.81% while VTI returned +16.63%. Year to date, TLCI is up 1.74% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TLCI has been the more volatile fund, with annualized monthly volatility of 12.0% compared with 11.6% 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 -12.2% for TLCI and -14.9% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.50. They move together some of the time, and apart the rest.
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 0.59% against 1.06% for VTI.
Holdings Overlap
10.1% of TLCI's money is in holdings VTI also owns. 0.6% of VTI's money is in holdings TLCI also owns.
TLCI and VTI share little of their money.
3 positions in common, counted across the 32 positions we hold weights for in TLCI and 3,441 in VTI, against full books of 64 and 3,524.
What only one of them owns
Our book lists 1,154 positions for VTI that do not appear in our book for TLCI (97.1% of the fund), and 2 for TLCI that do not appear in VTI (6.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of TLCI and VTI 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, TLCI or VTI?
TLCI has an expense ratio of 0.37% while VTI charges 0.03%. VTI is the cheaper option, by $34 a year on a $10,000 investment.
Which performed better, TLCI or VTI?
Over the past year TLCI returned +1.81% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TLCI annualized +3.92% vs +19.88% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TLCI or VTI?
TLCI has been the more volatile fund at 12.0% annualized versus 11.6% for VTI. Worst drawdown: TLCI -12.2% vs VTI -14.9%.
Should I hold both TLCI and VTI?
TLCI and VTI have a monthly-return correlation of 0.50, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between TLCI and VTI?
10.1% of TLCI's money is in holdings VTI also owns. 0.6% of VTI's is in holdings TLCI also owns. They hold 3 positions in common, counted across the 32 positions we hold weights for in TLCI and 3,441 in VTI.
Which pays a higher dividend, TLCI or VTI?
TLCI yields 0.59% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than TLCI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.