BCIL vs. VTIAX

Last updated Jul 12, 2026

BCIL (Bancreek International Large Cap ETF) and VTIAX (Vanguard Total International Stock Index Fund Admiral Shares) are both Foreign Large Cap Equities funds. BCIL is actively managed, while VTIAX is passively managed. Over the past year, BCIL returned -1.60% vs 26.49% for VTIAX. Their correlation of 0.80 suggests significant overlap in exposure. BCIL charges 0.80%/yr vs 0.09%/yr for VTIAX.

Performance

BCIL vs. VTIAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Bancreek International Large Cap ETF (BCIL) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, BCIL achieves a 5.76% return, which is significantly lower than VTIAX's 13.04% return.

BCIL

• 1D: -0.65%
• 1M: -2.71%
• 6M: 3.96%
• YTD: 5.76%
• 1Y: -1.60%
• 3Y*: —
• 5Y*: —
• 10Y*: —

VTIAX

• 1D: 0.53%
• 1M: -0.54%
• 6M: 9.58%
• YTD: 13.04%
• 1Y: 26.49%
• 3Y*: 18.85%
• 5Y*: 8.61%
• 10Y*: 9.74%

*Multi-year figures are annualized to reflect compound growth (CAGR)

BCIL vs. VTIAX - Yearly Performance Comparison

	2026 (YTD)	2025	2024
BCIL Bancreek International Large Cap ETF	5.76%	11.95%	0.24%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	13.04%	32.18%	0.96%

Correlation

The correlation between BCIL and VTIAX is 0.80, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.80
Correlation (All Time) Calculated using the full available price history since Mar 21, 2024	0.80

The correlation between BCIL and VTIAX has been stable across timeframes, ranging from 0.80 to 0.80 - a consistent structural relationship.

BCIL vs. VTIAX - Sectors Allocation Comparison

Sectors	BCIL	VTIAX
Industrials	25.5%	15.6%
Technology	21.0%	21.0%
Consumer Defensive	13.1%	4.8%
Consumer Cyclical	10.9%	8.2%
Financial Services	10.6%	21.7%
Basic Materials	10.4%	7.6%
Utilities	3.3%	3.0%
Healthcare	3.1%	6.8%
Energy	2.8%	4.7%
Communication Services	2.7%	4.4%
Real Estate	-	2.4%

Return for Risk

BCIL vs. VTIAX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

BCIL

BCIL Risk / Return Rank: 8
BCIL Sharpe Ratio Rank: 8
BCIL Sortino Ratio Rank: 7
BCIL Omega Ratio Rank: 7
BCIL Calmar Ratio Rank: 8
BCIL Martin Ratio Rank: 7

VTIAX

VTIAX Risk / Return Rank: 56
VTIAX Sharpe Ratio Rank: 56
VTIAX Sortino Ratio Rank: 52
VTIAX Omega Ratio Rank: 58
VTIAX Calmar Ratio Rank: 56
VTIAX Martin Ratio Rank: 55

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

BCIL vs. VTIAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Bancreek International Large Cap ETF (BCIL) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	BCIL	VTIAX	Difference
Sharpe ratio: Return per unit of total volatility	-0.15	1.67	-1.81
Sortino ratio: Return per unit of downside risk	-0.09	2.28	-2.37
Omega ratio: Gain probability vs. loss probability	0.99	1.31	-0.32
Calmar ratio: Return relative to maximum drawdown	-0.17	2.30	-2.47
Martin ratio: Return relative to average drawdown	-0.39	8.77	-9.17

BCIL vs. VTIAX - Sharpe Ratio Comparison

The current BCIL Sharpe Ratio is -0.15, which is lower than the VTIAX Sharpe Ratio of 1.67. The chart below compares the historical Sharpe Ratios of BCIL and VTIAX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

BCIL vs. VTIAX - Drawdown Comparison

The maximum BCIL drawdown since its inception was -16.18%, smaller than the maximum VTIAX drawdown of -35.83%. Use the drawdown chart below to compare losses from any high point for BCIL and VTIAX.

Drawdown Indicators

	BCIL	VTIAX	Difference
Max Drawdown Largest peak-to-trough decline	-16.18%	-35.83%	+19.65%
Max Drawdown (1Y) Largest decline over 1 year	-15.77%	-11.28%	-4.49%
Max Drawdown (3Y) Largest decline over 3 years	—	-13.13%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-29.52%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-35.83%	—
Current Drawdown Current decline from peak	-5.06%	-2.40%	-2.66%
Average Drawdown Average peak-to-trough decline	-4.27%	-8.04%	+3.77%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.81%	2.95%	+3.86%

Volatility

BCIL vs. VTIAX - Volatility Comparison

Bancreek International Large Cap ETF (BCIL) has a higher volatility of 7.70% compared to Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) at 6.22%. This indicates that BCIL's price experiences larger fluctuations and is considered to be riskier than VTIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	BCIL	VTIAX	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.70%	6.22%	+1.48%
Volatility (6M) Calculated over the trailing 6-month period	16.50%	13.66%	+2.84%
Volatility (1Y) Calculated over the trailing 1-year period	18.25%	15.56%	+2.69%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.86%	15.30%	+1.56%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.86%	15.78%	+1.08%

BCIL vs. VTIAX - Expense Ratio Comparison

BCIL has a 0.80% expense ratio, which is higher than VTIAX's 0.09% expense ratio.

Dividends

BCIL vs. VTIAX - Dividend Comparison

BCIL's dividend yield for the trailing twelve months is around 0.75%, less than VTIAX's 2.55% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
BCIL Bancreek International Large Cap ETF	0.75%	1.25%	0.77%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	2.55%	3.15%	3.33%	3.22%	3.04%	3.05%	2.10%	3.04%	3.16%	2.73%	2.93%	2.84%

Frequently Asked Questions

Can I hold both BCIL and VTIAX in my portfolio?

BCIL and VTIAX have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, BCIL or VTIAX?

BCIL has higher volatility (7.70%) compared to VTIAX (6.22%). In terms of maximum drawdown, BCIL dropped -16.18% vs VTIAX's -35.83%.

Which has better risk-adjusted returns?

VTIAX currently has the higher Sharpe Ratio (1.67 vs -0.15), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.