IQSU vs VTI
NYLIM Candriam US Large Cap Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IQSU or VTI?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. IQSU led over 1Y and the full window, VTI over 3Y and 5Y. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 41.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IQSU | VTI |
|---|---|---|
| Expense Ratio | 0.09% | 0.03%Best |
| AUM | $324M | $666.9B |
| Dividend Yield | 0.97% | 1.03% |
| Holdings | 266 | 3,543 |
| YTD Return | +14.86%Best | +12.28% |
| 1Y Return | +20.36%Best | +16.78% |
| 3Y Return (annualized) | +18.34% | +20.89%Best |
| 5Y Return (annualized) | +11.50% | +11.94%Best |
| Volatility (annualized) | 17.8% | 17.4%Best |
| Max Drawdown | -31.3%Best | -35.0% |
| $10,000 over 5 years | $17,234 | $17,576Best |
| Top 10 Weight | 41.0% | 33.3%Best |
| Fund Family | New York Life Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Dec 17, 2019 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Dec 17, 2019 to Sep 17, 2026 (6.8 years).
IQSU vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 6.8 years both funds cover.
IQSU vs VTI Performance
NYLIM Candriam US Large Cap Equity ETF (IQSU) is an ETF from New York Life Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year IQSU returned +20.36% while VTI returned +16.78%. Year to date, IQSU is up 14.86% versus a gain of 12.28% for VTI.
Over three years, IQSU compounded at +18.34% per year against +20.89% for VTI; over five years the annualized figures are +11.50% and +11.94% respectively. Across the full 7-year window we track, IQSU has the edge at +15.55% annualized vs +14.48%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IQSU has been the more volatile fund, with annualized monthly volatility of 17.8% compared with 17.4% 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 -31.3% for IQSU and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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
IQSU charges 0.09% per year while VTI charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, IQSU currently yields 0.97% against 1.03% for VTI.
Holdings Overlap
95.7% of IQSU's money is in holdings VTI also owns. 51.1% of VTI's money is in holdings IQSU also owns.
Most of IQSU is already inside VTI. Owning both mostly buys the same companies twice.
251 positions in common, counted across the 260 positions we hold weights for in IQSU and 3,463 in VTI, against full books of 266 and 3,543.
What only one of them owns
Our book lists 900 positions for VTI that do not appear in our book for IQSU (46.4% of the fund), and 3 for IQSU that do not appear in VTI (0.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in IQSU | Weight in VTI | Difference |
|---|---|---|---|
| AAPLApple, Inc | 9.45% | 6.29% | 3.16% |
| MSFTMicrosoft Corp | 5.41% | 4.79% | 0.62% |
| AMZNAmazon.Com Inc | 4.94% | 3.65% | 1.29% |
| GOOGLAlphabet Inc,class A | 5.16% | 2.90% | 2.26% |
| GOOGAlphabet Inc | 4.45% | 2.31% | 2.14% |
| MUMicron Technology, Inc. | 3.14% | 1.29% | 1.85% |
| TSLATesla Inc | 3.15% | 1.22% | 1.93% |
| AMDAdvanced Micro Devices Inc | 2.18% | 1.08% | 1.10% |
| VVisa Inc Class A | 1.75% | 0.83% | 0.92% |
| MAMastercard Inc | 1.30% | 0.63% | 0.67% |
95.7% of IQSU is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IQSU or VTI?
IQSU has an expense ratio of 0.09% while VTI charges 0.03%. VTI is the cheaper option, by $6 a year on a $10,000 investment.
Which performed better, IQSU or VTI?
Over the past year IQSU returned +20.36% vs +16.78% for VTI, so IQSU leads on 1-year performance. Over the longest common window we track (7 years), IQSU annualized +15.55% vs +14.48% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IQSU or VTI?
IQSU has been the more volatile fund at 17.8% annualized versus 17.4% for VTI. Worst drawdown: IQSU -31.3% vs VTI -35.0%.
Should I hold both IQSU and VTI?
IQSU and VTI have a monthly-return correlation of 0.98, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between IQSU and VTI?
95.7% of IQSU's money is in holdings VTI also owns. 51.1% of VTI's is in holdings IQSU also owns. They hold 251 positions in common, counted across the 260 positions we hold weights for in IQSU and 3,463 in VTI.
Which pays a higher dividend, IQSU or VTI?
IQSU yields 0.97% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than IQSU?
VTI has a lower expense ratio. IQSU led over 1Y and the full window, VTI over 3Y and 5Y. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 41.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.