JFLI vs VTI
JPMorgan Flexible Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | JFLI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $49M | $666.9B | |
| Dividend Yield | 7.34% | 1.07% | |
| Holdings | 587 | 3,543 | |
| YTD Return | +11.67% | +14.82% | |
| 1Y Return | +18.32% | +22.43% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 8.7% | 15.4% | |
| Max Drawdown | -12.9% | -56.6% | |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 12, 2025 | May 24, 2001 |
JFLI vs VTI Performance
JPMorgan Flexible Income ETF (JFLI) is a ETF from J.P. Morgan Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year JFLI returned +18.32% while VTI returned +22.43%. Year to date, JFLI is up 11.67% versus a gain of 14.82% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 8.7% for JFLI. 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 -12.9% for JFLI 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
JFLI charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, JFLI currently yields 7.34% against 1.07% for VTI.
Holdings Overlap
JFLI and VTI share 180 holdings out of 3102 unique holdings combined, representing a 14.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, JFLI or VTI?
JFLI has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, JFLI or VTI?
Over the past year JFLI returned +18.32% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), JFLI annualized +15.06% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, JFLI or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 8.7% for JFLI. Worst drawdown: JFLI -12.9% vs VTI -56.6%.
Should I hold both JFLI and VTI?
JFLI and VTI have a monthly-return correlation of 0.93, 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 JFLI and VTI?
JFLI and VTI share 180 common holdings with a 14.4% weight overlap. Combined, they hold 3102 unique securities.
Which pays a higher dividend, JFLI or VTI?
JFLI yields 7.34% while VTI yields 1.07%, so JFLI currently pays the higher dividend yield.
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