IFLO vs VTI
VictoryShares International Free Cash Flow ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. IFLO delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | IFLO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.56% | 0.03% | |
| AUM | $246M | $666.9B | |
| Dividend Yield | 1.33% | 1.07% | |
| Holdings | 103 | 3,543 | |
| YTD Return | +31.66% | +12.65% | |
| 1Y Return | +39.98% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 11.0% | 15.3% | |
| Max Drawdown | -6.4% | -56.6% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 25, 2025 | May 24, 2001 |
IFLO vs VTI Performance
VictoryShares International Free Cash Flow ETF (IFLO) is a ETF from Victory Capital Management Inc. and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IFLO returned +39.98% while VTI returned +21.39%. Year to date, IFLO is up 31.66% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.0% for IFLO. 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 -6.4% for IFLO 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IFLO charges 0.56% per year while VTI charges 0.03%. On a $10,000 position that is $56 vs $3 annually, a gap of $53 per year that compounds over a long holding period. On income, IFLO currently yields 1.33% against 1.07% for VTI.
Holdings Overlap
IFLO and VTI share 1 holdings out of 2887 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IFLO | Weight in VTI | Difference |
|---|---|---|---|
| 0RMV:LN | 0.85% | 0.04% | 0.81% |
Frequently Asked Questions
Which is cheaper, IFLO or VTI?
IFLO has an expense ratio of 0.56% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $53 per year of difference.
Which performed better, IFLO or VTI?
Over the past year IFLO returned +39.98% vs +21.39% for VTI, so IFLO leads on 1-year performance. Over the longest common window we track (1 years), IFLO annualized +41.90% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, IFLO or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.0% for IFLO. Worst drawdown: IFLO -6.4% vs VTI -56.6%.
Should I hold both IFLO and VTI?
IFLO and VTI have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IFLO and VTI?
IFLO and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2887 unique securities.
Which pays a higher dividend, IFLO or VTI?
IFLO yields 1.33% while VTI yields 1.07%, so IFLO currently pays the higher dividend yield.
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