TSEC vs VTI
TSEC vs VTI
Touchstone Securitized Income ETF 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 | TSEC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $162M | $663.5B | |
| Dividend Yield | 5.02% | 1.07% | |
| Holdings | 122 | 3,543 | |
| YTD Return | +1.43% | +10.14% | |
| 1Y Return | +5.34% | +19.82% | |
| 3Y Return (annualized) | +6.83% | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 2.5% | 15.4% | |
| Max Drawdown | -1.8% | -56.6% | |
| Fund Family | Touchstone Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 17, 2023 | May 24, 2001 |
TSEC vs VTI Performance
Touchstone Securitized Income ETF (TSEC) is a ETF from Touchstone Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TSEC returned +5.34% while VTI returned +19.82%. Year to date, TSEC is up 1.43% versus a gain of 10.14% for VTI.
Over three years, TSEC compounded at +6.83% per year against +18.94% for VTI. Across the full 3-year window we track, VTI has the edge at +7.99% annualized vs +6.86%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 2.5% for TSEC. 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 -1.8% for TSEC 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TSEC charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, TSEC currently yields 5.02% against 1.07% for VTI.
Holdings Overlap
TSEC and VTI share 0 holdings out of 2803 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TSEC or VTI?
TSEC has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, TSEC or VTI?
Over the past year TSEC returned +5.34% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), TSEC annualized +6.86% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, TSEC or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 2.5% for TSEC. Worst drawdown: TSEC -1.8% vs VTI -56.6%.
Should I hold both TSEC and VTI?
TSEC and VTI have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TSEC and VTI?
TSEC and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2803 unique securities.
Which pays a higher dividend, TSEC or VTI?
TSEC yields 5.02% while VTI yields 1.07%, so TSEC currently pays the higher dividend yield.
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