JPIN vs VTI
JPMorgan Diversified Return International Equity 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 | JPIN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.37% | 0.03% | |
| AUM | $374M | $666.9B | |
| Dividend Yield | 4.09% | 1.07% | |
| Holdings | 477 | 3,543 | |
| YTD Return | +14.03% | +13.14% | |
| 1Y Return | +22.25% | +22.35% | |
| 3Y Return (annualized) | +20.10% | +21.83% | |
| 5Y Return (annualized) | +9.35% | +12.01% | |
| Volatility (annualized) | 14.1% | 15.3% | |
| Max Drawdown | -40.3% | -56.6% | |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 5, 2014 | May 24, 2001 |
JPIN vs VTI Performance
JPMorgan Diversified Return International Equity ETF (JPIN) 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 JPIN returned +22.25% while VTI returned +22.35%. Year to date, JPIN is up 14.03% versus a gain of 13.14% for VTI.
Over three years, JPIN compounded at +20.10% per year against +21.83% for VTI; over five years the annualized figures are +9.35% and +12.01% respectively. Across the full 12-year window we track, VTI has the edge at +8.09% annualized vs +5.92%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.1% for JPIN. 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 -40.3% for JPIN 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JPIN charges 0.37% per year while VTI charges 0.03%. On a $10,000 position that is $37 vs $3 annually, a gap of $34 per year that compounds over a long holding period. On income, JPIN currently yields 4.09% against 1.07% for VTI.
Holdings Overlap
JPIN and VTI share 4 holdings out of 3240 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, JPIN or VTI?
JPIN has an expense ratio of 0.37% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, JPIN or VTI?
Over the past year JPIN returned +22.25% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (12 years), JPIN annualized +5.92% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, JPIN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.1% for JPIN. Worst drawdown: JPIN -40.3% vs VTI -56.6%.
Should I hold both JPIN and VTI?
JPIN and VTI have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JPIN and VTI?
JPIN and VTI share 4 common holdings with a 0.1% weight overlap. Combined, they hold 3240 unique securities.
Which pays a higher dividend, JPIN or VTI?
JPIN yields 4.09% while VTI yields 1.07%, so JPIN currently pays the higher dividend yield.
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