JFLI vs VTI
JPMorgan Flexible Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, JFLI or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92.
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 | JFLI | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $49M | $666.9B |
| Dividend Yield | 7.34% | 1.07% |
| Holdings | 587 | 3,543 |
| YTD Return | +10.40% | +13.59%Best |
| 1Y Return | +16.15% | +20.00%Best |
| 3Y Return (annualized) | - | +20.95% |
| 5Y Return (annualized) | - | +11.81% |
| Volatility (annualized) | 8.4%Best | 13.0% |
| Max Drawdown | -12.9%Best | -19.3% |
| $10,000 over 1.6 years | $12,268 | $12,901Best |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Feb 12, 2025 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.6 years row, are measured over the window both funds cover: Feb 13, 2025 to Sep 4, 2026 (1.6 years).
JFLI 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 1.6 years both funds cover.
JFLI vs VTI Performance
JPMorgan Flexible Income ETF (JFLI) is an ETF from J.P. Morgan Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year JFLI returned +16.15% while VTI returned +20.00%. Year to date, JFLI is up 10.40% versus a gain of 13.59% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.0% compared with 8.4% 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 -19.3% 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 0.92. 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
At least 20.1% of JFLI's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 92.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
JFLI and VTI share little of their money.
The two holdings books were reported 91 days apart, JFLI as of Mar 31, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
181 positions in common, counted across the 495 positions we hold weights for in JFLI and 2,787 in VTI, against full books of 587 and 3,543.
Top Shared Holdings
| Stock | Weight in JFLI | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 0.23% | 6.32% | 6.09% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 0.49% | 3.81% | 3.32% |
| AVGOBroadcom Inc | 0.44% | 2.46% | 2.02% |
| MUMicron Technology, Inc. | 0.14% | 1.79% | 1.65% |
| TSLATesla Motors Inc | 0.22% | 1.63% | 1.41% |
| METAMeta Platform Inc | 0.08% | 1.70% | 1.62% |
| LLYEli Lilly & Co. | 0.23% | 1.40% | 1.17% |
| AMDAdvanced Micro Devices Inc | 0.13% | 1.30% | 1.17% |
| TAT&T Inc | 1.22% | 0.20% | 1.02% |
| JNJJohnson & Johnson - Common | 0.26% | 0.84% | 0.58% |
20.1% of JFLI 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.
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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, by $32 a year on a $10,000 investment.
Which performed better, JFLI or VTI?
Over the past year JFLI returned +16.15% vs +20.00% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), JFLI annualized +13.63% vs +17.26% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, JFLI or VTI?
VTI has been the more volatile fund at 13.0% annualized versus 8.4% for JFLI. Worst drawdown: JFLI -12.9% vs VTI -19.3%.
Should I hold both JFLI and VTI?
JFLI and VTI have a monthly-return correlation of 0.92, 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 JFLI and VTI?
At least 20.1% of JFLI's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 181 positions in common, counted across the 495 positions we hold weights for in JFLI and 2,787 in VTI.
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.
Is VTI better than JFLI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.92. Which one suits a particular account depends on what it is for. This is information, not a recommendation.