JMSI vs VTI
JPMorgan Sustainable Municipal 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 | JMSI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.03% | |
| AUM | $385M | $666.9B | |
| Dividend Yield | 3.71% | 1.07% | |
| Holdings | 301 | 3,543 | |
| YTD Return | +0.59% | +14.82% | |
| 1Y Return | +4.67% | +22.43% | |
| 3Y Return (annualized) | +3.75% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 4.7% | 15.4% | |
| Max Drawdown | -4.6% | -56.6% | |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Jul 14, 2023 | May 24, 2001 |
JMSI vs VTI Performance
JPMorgan Sustainable Municipal Income ETF (JMSI) 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 JMSI returned +4.67% while VTI returned +22.43%. Year to date, JMSI is up 0.59% versus a gain of 14.82% for VTI.
Over three years, JMSI compounded at +3.75% per year against +21.93% for VTI. Across the full 3-year window we track, VTI has the edge at +8.16% annualized vs +3.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 4.7% 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 -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 0.71. 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 3.71% against 1.07% for VTI.
Holdings Overlap
JMSI and VTI share 0 holdings out of 2818 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $15 per year of difference.
Which performed better, JMSI or VTI?
Over the past year JMSI returned +4.67% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), JMSI annualized +3.39% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, JMSI or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 4.7% for JMSI. Worst drawdown: JMSI -4.6% vs VTI -56.6%.
Should I hold both JMSI and VTI?
JMSI and VTI have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JMSI and VTI?
JMSI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2818 unique securities.
Which pays a higher dividend, JMSI or VTI?
JMSI yields 3.71% while VTI yields 1.07%, so JMSI currently pays the higher dividend yield.
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