JFLX vs VTI
JPMorgan Flexible Debt ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, JFLX or VTI?
VTI has been ahead.
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 | JFLX | VTI |
|---|---|---|
| Expense Ratio | 0.45% | 0.03%Best |
| AUM | $1.6B | $666.9B |
| Dividend Yield | 4.00% | 1.03% |
| Holdings | 1,753 | 3,543 |
| YTD Return | +1.14% | +12.57%Best |
| 1Y Return | +2.50% | +17.22%Best |
| 3Y Return (annualized) | - | +20.87% |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 3.1%Best | 13.0% |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Sep 26, 2025 | May 24, 2001 |
Not shown on this pair: Max Drawdown, $10,000 over the window, Top 10 Weight.
JFLX 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.
JFLX vs VTI Performance
JPMorgan Flexible Debt ETF (JFLX) 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 JFLX returned +2.50% while VTI returned +17.22%. Year to date, JFLX is up 1.14% versus a gain of 12.57% 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 3.1% for JFLX. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JFLX charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, JFLX currently yields 4.00% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 13 holdings in JFLX and 2,787 in VTI, totalling 13.4% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 3 positions appear in both.
3 positions in common, counted across the 13 positions we hold weights for in JFLX and 2,787 in VTI, against full books of 1,753 and 3,543.
You are not choosing between two funds in isolation.
Whichever of JFLX 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, JFLX or VTI?
JFLX has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option, by $42 a year on a $10,000 investment.
Which performed better, JFLX or VTI?
Over the past year JFLX returned +2.50% vs +17.22% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, JFLX or VTI?
VTI has been the more volatile fund at 13.0% annualized versus 3.1% for JFLX.
Should I hold both JFLX and VTI?
JFLX and VTI have a monthly-return correlation of 0.73, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, JFLX or VTI?
JFLX yields 4.00% while VTI yields 1.03%, so JFLX currently pays the higher dividend yield.
Is VTI better than JFLX?
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.