ECAT vs VTI
ECAT vs VTI
BlackRock ESG Capital Allocation Term Trust 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 | ECAT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.43% | 0.03% | |
| AUM | $1.5B | $663.5B | |
| Dividend Yield | 21.30% | 1.07% | |
| Holdings | 1,008 | 3,543 | |
| YTD Return | +14.41% | +14.20% | |
| 1Y Return | +18.22% | +24.16% | |
| 3Y Return (annualized) | +20.35% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 17.7% | 15.3% | |
| Max Drawdown | -32.2% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 28, 2021 | May 24, 2001 |
ECAT vs VTI Performance
BlackRock ESG Capital Allocation Term Trust (ECAT) is a ETF from BlackRock, Inc. (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year ECAT returned +18.22% while VTI returned +24.16%. Year to date, ECAT is up 14.41% versus a gain of 14.20% for VTI.
Over three years, ECAT compounded at +20.35% per year against +21.12% for VTI. Across the full 5-year window we track, ECAT has the edge at +9.76% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ECAT has been the more volatile fund, with annualized monthly volatility of 17.7% compared with 15.3% 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 -32.2% for ECAT 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ECAT charges 1.43% per year while VTI charges 0.03%. On a $10,000 position that is $143 vs $3 annually, a gap of $140 per year that compounds over a long holding period. On income, ECAT currently yields 21.30% against 1.07% for VTI.
Holdings Overlap
ECAT and VTI share 97 holdings out of 3236 unique holdings combined, representing a 32.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ECAT | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 4.02% | 6.32% | 2.30% |
| AAPL | 2.61% | 5.84% | 3.23% |
| MSFT | 3.85% | 3.81% | 0.04% |
| GOOG | Pro | Pro | Pro |
| AMZN | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
See all 10 holdings ECAT shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, ECAT or VTI?
ECAT has an expense ratio of 1.43% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $140 per year of difference.
Which performed better, ECAT or VTI?
Over the past year ECAT returned +18.22% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), ECAT annualized +9.76% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, ECAT or VTI?
ECAT has been the more volatile fund at 17.7% annualized versus 15.3% for VTI. Worst drawdown: ECAT -32.2% vs VTI -56.6%.
Should I hold both ECAT and VTI?
ECAT and VTI have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ECAT and VTI?
ECAT and VTI share 97 common holdings with a 32.8% weight overlap. Combined, they hold 3236 unique securities.
Which pays a higher dividend, ECAT or VTI?
ECAT yields 21.30% while VTI yields 1.07%, so ECAT currently pays the higher dividend yield.
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