USPX vs VTI
Franklin US Equity Index ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | USPX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $2.1B | $666.9B | |
| Dividend Yield | 1.09% | 1.07% | |
| Holdings | 487 | 3,543 | |
| YTD Return | +13.99% | +14.82% | |
| 1Y Return | +21.47% | +22.43% | |
| 3Y Return (annualized) | +22.20% | +21.93% | |
| 5Y Return (annualized) | +12.31% | +12.34% | |
| Volatility (annualized) | 14.1% | 15.4% | |
| Max Drawdown | -31.2% | -56.6% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 1, 2016 | May 24, 2001 |
USPX vs VTI Performance
Franklin US Equity Index ETF (USPX) is a ETF from Franklin Templeton Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USPX returned +21.47% while VTI returned +22.43%. Year to date, USPX is up 13.99% versus a gain of 14.82% for VTI.
Over three years, USPX compounded at +22.20% per year against +21.93% for VTI; over five years the annualized figures are +12.31% and +12.34% respectively. Across the full 10-year window we track, USPX has the edge at +11.04% annualized vs +8.16%. 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 14.1% for USPX. 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 -31.2% for USPX 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 0.96. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
USPX charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, USPX currently yields 1.09% against 1.07% for VTI.
Holdings Overlap
USPX and VTI share 435 holdings out of 2826 unique holdings combined, representing a 86.8% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, USPX or VTI?
USPX has an expense ratio of 0.03% while VTI charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, USPX or VTI?
Over the past year USPX returned +21.47% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), USPX annualized +11.04% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, USPX or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 14.1% for USPX. Worst drawdown: USPX -31.2% vs VTI -56.6%.
Should I hold both USPX and VTI?
USPX and VTI have a monthly-return correlation of 0.96, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between USPX and VTI?
USPX and VTI share 435 common holdings with a 86.8% weight overlap. Combined, they hold 2826 unique securities.
Which pays a higher dividend, USPX or VTI?
USPX yields 1.09% while VTI yields 1.07%, so USPX currently pays the higher dividend yield.
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