USXF vs VTI
iShares ESG Advanced MSCI USA ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. USXF delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | USXF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.03% | |
| AUM | $1.5B | $666.9B | |
| Dividend Yield | 0.83% | 1.07% | |
| Holdings | 294 | 3,543 | |
| YTD Return | +21.24% | +14.82% | |
| 1Y Return | +25.67% | +22.43% | |
| 3Y Return (annualized) | +26.34% | +21.93% | |
| 5Y Return (annualized) | +14.55% | +12.34% | |
| Volatility (annualized) | 17.5% | 15.4% | |
| Max Drawdown | -29.5% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 16, 2020 | May 24, 2001 |
USXF vs VTI Performance
iShares ESG Advanced MSCI USA ETF (USXF) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USXF returned +25.67% while VTI returned +22.43%. Year to date, USXF is up 21.24% versus a gain of 14.82% for VTI.
Over three years, USXF compounded at +26.34% per year against +21.93% for VTI; over five years the annualized figures are +14.55% and +12.34% respectively. Across the full 6-year window we track, USXF has the edge at +19.10% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USXF has been the more volatile fund, with annualized monthly volatility of 17.5% compared with 15.4% 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 -29.5% for USXF 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 0.97. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
USXF charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, USXF currently yields 0.83% against 1.07% for VTI.
Holdings Overlap
USXF and VTI share 266 holdings out of 2811 unique holdings combined, representing a 37.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, USXF or VTI?
USXF has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, USXF or VTI?
Over the past year USXF returned +25.67% vs +22.43% for VTI, so USXF leads on 1-year performance. Over the longest common window we track (6 years), USXF annualized +19.10% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, USXF or VTI?
USXF has been the more volatile fund at 17.5% annualized versus 15.4% for VTI. Worst drawdown: USXF -29.5% vs VTI -56.6%.
Should I hold both USXF and VTI?
USXF and VTI have a monthly-return correlation of 0.97, 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 USXF and VTI?
USXF and VTI share 266 common holdings with a 37.3% weight overlap. Combined, they hold 2811 unique securities.
Which pays a higher dividend, USXF or VTI?
USXF yields 0.83% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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