JOYT vs VTI
JPMorgan Equity and Options Total Return ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, JOYT or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 42.3%.
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 | JOYT | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $103M | $666.9B |
| Dividend Yield | 0.60% | 1.03% |
| Holdings | 118 | 3,543 |
| YTD Return | +8.91% | +12.30%Best |
| 1Y Return | +15.91% | +16.08%Best |
| 3Y Return (annualized) | - | +21.01% |
| 5Y Return (annualized) | - | +12.36% |
| Volatility (annualized) | 7.3%Best | 12.7% |
| Max Drawdown | -7.0%Best | -8.9% |
| $10,000 over 1.1 years | $11,992 | $12,109Best |
| Top 10 Weight | 42.3% | 33.3%Best |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Aug 18, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Aug 19, 2025 to Sep 18, 2026 (1.1 years).
JOYT 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 1.1 years both funds cover.
JOYT vs VTI Performance
JPMorgan Equity and Options Total Return ETF (JOYT) 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 JOYT returned +15.91% while VTI returned +16.08%. Year to date, JOYT is up 8.91% versus a gain of 12.30% 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 12.7% compared with 7.3% for JOYT. 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 -7.0% for JOYT and -8.9% 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JOYT 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, JOYT currently yields 0.60% against 1.03% for VTI.
Holdings Overlap
95.8% of JOYT's money is in holdings VTI also owns. 54.3% of VTI's money is in holdings JOYT also owns.
Most of JOYT is already inside VTI. Owning both mostly buys the same companies twice.
107 positions in common, counted across the 113 positions we hold weights for in JOYT and 3,463 in VTI, against full books of 118 and 3,543.
What only one of them owns
Our book lists 1,043 positions for VTI that do not appear in our book for JOYT (43.2% of the fund), and 4 for JOYT that do not appear in VTI (3.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in JOYT | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 8.76% | 6.40% | 2.36% |
| AAPLApple, Inc | 6.98% | 6.29% | 0.69% |
| MSFTMicrosoft Corp | 6.42% | 4.79% | 1.63% |
| AMZNAmazon.Com Inc | 4.29% | 3.65% | 0.64% |
| GOOGLAlphabet Inc,class A | 4.80% | 2.90% | 1.90% |
| AVGOBroadcom Inc | 2.43% | 2.56% | 0.13% |
| METAMeta Platforms Inc | 2.34% | 1.70% | 0.64% |
| MUMicron Technology, Inc. | 2.36% | 1.29% | 1.07% |
| XOMExxon Mobil Corp. | 1.83% | 0.89% | 0.94% |
| LLYEli Lilly & Co. | 1.34% | 1.35% | 0.01% |
95.8% of JOYT 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.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, JOYT or VTI?
JOYT 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, JOYT or VTI?
Over the past year JOYT returned +15.91% vs +16.08% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), JOYT annualized +17.96% vs +19.00% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, JOYT or VTI?
VTI has been the more volatile fund at 12.7% annualized versus 7.3% for JOYT. Worst drawdown: JOYT -7.0% vs VTI -8.9%.
Should I hold both JOYT and VTI?
JOYT and VTI have a monthly-return correlation of 0.84, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between JOYT and VTI?
95.8% of JOYT's money is in holdings VTI also owns. 54.3% of VTI's is in holdings JOYT also owns. They hold 107 positions in common, counted across the 113 positions we hold weights for in JOYT and 3,463 in VTI.
Which pays a higher dividend, JOYT or VTI?
JOYT yields 0.60% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than JOYT?
VTI has a lower expense ratio. VTI led over 1Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 42.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.