JCAL vs VTI
JPMorgan California Tax Free Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, JCAL or VTI?
Municipal Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y.
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 | JCAL | VTI |
|---|---|---|
| Expense Ratio | 0.34% | 0.03%Best |
| AUM | $495M | $690.1B |
| Dividend Yield | 0.57% | 1.03% |
| Holdings | 619 | 3,524 |
| YTD Return | -4.51% | +13.35%Best |
| 1Y Return | - | +15.92% |
| 3Y Return (annualized) | - | +23.41% |
| 5Y Return (annualized) | - | +12.83% |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) |
| Category | Tax Preferred | Equity |
| Style | Municipal Bond | Large Cap Blend |
| Inception | Jun 12, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
JCAL 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
JCAL vs VTI Performance
JPMorgan California Tax Free Bond ETF (JCAL) is an ETF from J.P. Morgan Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, JCAL is down 4.51% versus a gain of 13.35% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
JCAL charges 0.34% per year while VTI charges 0.03%. On a $10,000 position that is $34 vs $3 annually, a gap of $31 per year that compounds over a long holding period. On income, JCAL currently yields 0.57% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 79 holdings in JCAL and 3,463 in VTI, totalling 28.4% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 46 days apart, JCAL as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 79 positions we hold weights for in JCAL and 3,463 in VTI, against full books of 619 and 3,524.
You are not choosing between two funds in isolation.
Whichever of JCAL and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, JCAL or VTI?
JCAL has an expense ratio of 0.34% while VTI charges 0.03%. VTI is the cheaper option, by $31 a year on a $10,000 investment.
Which pays a higher dividend, JCAL or VTI?
JCAL yields 0.57% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than JCAL?
VTI has a lower expense ratio. VTI led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.