USCL vs VTI
USCL vs VTI
iShares Climate Conscious & Transition MSCI USA 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 | USCL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $2.8B | $663.5B | |
| Dividend Yield | 1.11% | 1.07% | |
| Holdings | 410 | 3,543 | |
| YTD Return | +10.71% | +14.20% | |
| 1Y Return | +17.98% | +24.16% | |
| 3Y Return (annualized) | +19.66% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 12.9% | 15.3% | |
| Max Drawdown | -19.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 6, 2023 | May 24, 2001 |
USCL vs VTI Performance
iShares Climate Conscious & Transition MSCI USA ETF (USCL) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USCL returned +17.98% while VTI returned +24.16%. Year to date, USCL is up 10.71% versus a gain of 14.20% for VTI.
Over three years, USCL compounded at +19.66% per year against +21.12% for VTI. Across the full 3-year window we track, USCL has the edge at +20.55% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.9% for USCL. 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 -19.0% for USCL 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 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
USCL charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, USCL currently yields 1.11% against 1.07% for VTI.
Holdings Overlap
USCL and VTI share 378 holdings out of 2811 unique holdings combined, representing a 74.6% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in USCL | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 8.55% | 6.32% | 2.23% |
| AAPL | 8.69% | 5.84% | 2.85% |
| MSFT | 5.17% | 3.81% | 1.36% |
| AMZN | Pro | Pro | Pro |
| GOOGL | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
See all 10 holdings USCL 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, USCL or VTI?
USCL has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, USCL or VTI?
Over the past year USCL returned +17.98% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), USCL annualized +20.55% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, USCL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.9% for USCL. Worst drawdown: USCL -19.0% vs VTI -56.6%.
Should I hold both USCL and VTI?
USCL and VTI have a monthly-return correlation of 0.98, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between USCL and VTI?
USCL and VTI share 378 common holdings with a 74.6% weight overlap. Combined, they hold 2811 unique securities.
Which pays a higher dividend, USCL or VTI?
USCL yields 1.11% while VTI yields 1.07%, so USCL currently pays the higher dividend yield.
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