TXSS vs VTI
Texas Capital Texas Small Cap Equity Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TXSS or VTI?
Small Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. TXSS is less concentrated, with 31.1% of the fund in its ten largest positions against 33.3%.
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 | TXSS | VTI |
|---|---|---|
| Expense Ratio | 0.49% | 0.03%Best |
| AUM | $10M | $666.9B |
| Dividend Yield | 0.48% | 1.03% |
| Holdings | 182 | 3,543 |
| Volatility (annualized) | 18.5% | 11.1%Best |
| Max Drawdown | -25.6% | -19.3%Best |
| $10,000 over 2 years | $10,851 | $14,680Best |
| Top 10 Weight | 31.1%Best | 33.3% |
| Fund Family | Texas Capital | Vanguard (US) |
| Category | Equity | Equity |
| Style | Small Cap Blend | Large Cap Blend |
| Inception | Dec 20, 2023 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 291 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. TXSS has data through Dec 8, 2025 and VTI through Sep 25, 2026.
Volatility and max drawdown, and the $10,000 over 2 years row, are measured over the window both funds cover: Dec 21, 2023 to Dec 8, 2025 (2 years).
Risk: Volatility and Drawdowns
TXSS has been the more volatile fund, with annualized monthly volatility of 18.5% compared with 11.1% for VTI. 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 -25.6% for TXSS 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TXSS charges 0.49% per year while VTI charges 0.03%. On a $10,000 position that is $49 vs $3 annually, a gap of $46 per year that compounds over a long holding period. On income, TXSS currently yields 0.48% against 1.03% for VTI.
Holdings Overlap
90.3% of TXSS's money is in holdings VTI also owns. 0.4% of VTI's money is in holdings TXSS also owns.
Most of TXSS is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 273 days apart, TXSS as of Oct 31, 2025 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
162 positions in common, counted across the 182 positions we hold weights for in TXSS and 3,463 in VTI, against full books of 182 and 3,543.
What only one of them owns
Our book lists 1,108 positions for VTI that do not appear in our book for TXSS (97.0% of the fund), and 19 for TXSS that do not appear in VTI (8.9%).
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 TXSS | Weight in VTI | Difference |
|---|---|---|---|
| HHHHoward Hughes Corp. | 7.87% | 0.00% | 7.87% |
| DNOWNow Inc | 3.94% | 0.00% | 3.94% |
| NTSTNetstreit corp | 3.15% | 0.00% | 3.15% |
| CONConcentra Group Holdings Parent Inc | 2.50% | 0.01% | 2.49% |
| ADUSAddus Homecare | 2.38% | 0.00% | 2.38% |
| EEExcelerate Energy, Inc. | 2.34% | 0.00% | 2.34% |
| FLRFluor Corp | 2.33% | 0.01% | 2.32% |
| DXPEDxp Enterprises Inc. | 2.09% | 0.00% | 2.09% |
| GPIGroup 1 Automotive Inc | 2.00% | 0.00% | 2.00% |
| IESCIes Holdings, Inc. | 1.93% | 0.01% | 1.92% |
90.3% of TXSS 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, TXSS or VTI?
TXSS has an expense ratio of 0.49% while VTI charges 0.03%. VTI is the cheaper option, by $46 a year on a $10,000 investment.
Which is riskier, TXSS or VTI?
TXSS has been the more volatile fund at 18.5% annualized versus 11.1% for VTI. Worst drawdown: TXSS -25.6% vs VTI -19.3%.
Should I hold both TXSS and VTI?
TXSS and VTI have a monthly-return correlation of 0.75, 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 TXSS and VTI?
90.3% of TXSS's money is in holdings VTI also owns. 0.4% of VTI's is in holdings TXSS also owns. They hold 162 positions in common, counted across the 182 positions we hold weights for in TXSS and 3,463 in VTI.
Which pays a higher dividend, TXSS or VTI?
TXSS yields 0.48% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than TXSS?
VTI has a lower expense ratio. VTI led over 1Y and the full window. TXSS is less concentrated, with 31.1% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.