JMSI vs VTI
JPMorgan Sustainable Municipal Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, JMSI or VTI?
Municipal Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
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 | JMSI | VTI |
|---|---|---|
| Expense Ratio | 0.18% | 0.03%Best |
| AUM | $386M | $666.9B |
| Dividend Yield | 3.74% | 1.03% |
| Holdings | 297 | 3,543 |
| YTD Return | -2.01% | +12.30%Best |
| 1Y Return | -0.63% | +16.08%Best |
| 3Y Return (annualized) | +3.12% | +21.01%Best |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 4.8%Best | 13.2% |
| Max Drawdown | -4.6%Best | -19.3% |
| $10,000 over 3.2 years | $10,802 | $17,453Best |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) |
| Category | Tax Preferred | Equity |
| Style | Municipal Bond | Large Cap Blend |
| Inception | Jul 14, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jul 17, 2023 to Sep 18, 2026 (3.2 years).
JMSI 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 3.2 years both funds cover.
JMSI vs VTI Performance
JPMorgan Sustainable Municipal Income ETF (JMSI) 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 JMSI returned -0.63% while VTI returned +16.08%. Year to date, JMSI is down 2.01% versus a gain of 12.30% for VTI.
Over three years, JMSI compounded at +3.12% per year against +21.01% 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 13.2% compared with 4.8% for JMSI. 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 -4.6% for JMSI 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JMSI charges 0.18% per year while VTI charges 0.03%. On a $10,000 position that is $18 vs $3 annually, a gap of $15 per year that compounds over a long holding period. On income, JMSI currently yields 3.74% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 12 holdings in JMSI and 3,463 in VTI, totalling 3.4% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 12 positions we hold weights for in JMSI and 3,463 in VTI, against full books of 297 and 3,543.
You are not choosing between two funds in isolation.
Whichever of JMSI 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, JMSI or VTI?
JMSI has an expense ratio of 0.18% while VTI charges 0.03%. VTI is the cheaper option, by $15 a year on a $10,000 investment.
Which performed better, JMSI or VTI?
Over the past year JMSI returned -0.63% vs +16.08% 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, JMSI or VTI?
VTI has been the more volatile fund at 13.2% annualized versus 4.8% for JMSI. Worst drawdown: JMSI -4.6% vs VTI -19.3%.
Should I hold both JMSI and VTI?
JMSI and VTI have a monthly-return correlation of 0.70, 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, JMSI or VTI?
JMSI yields 3.74% while VTI yields 1.03%, so JMSI currently pays the higher dividend yield.
Is VTI better than JMSI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.