VTI vs XBAP
Vanguard Morningstar Total Stock Market ETF vs Innovator US Equity Accelerated 9 Buffer ETF - April
Which is better, VTI or XBAP?
Large Cap Blend against Option Writing.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
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 | VTI | XBAP |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.79% |
| AUM | $666.9B | $127M |
| Dividend Yield | 1.03% | 0.00% |
| Holdings | 3,543 | 18 |
| YTD Return | +12.28%Best | +10.82% |
| 1Y Return | +16.78%Best | +13.54% |
| 3Y Return (annualized) | +20.89%Best | +13.41% |
| 5Y Return (annualized) | +11.94%Best | +9.95% |
| Volatility (annualized) | 15.5% | 8.6%Best |
| Max Drawdown | -25.4% | -14.6%Best |
| $10,000 over 5 years | $17,576Best | $16,069 |
| Fund Family | Vanguard (US) | Innovator ETFs Trust |
| Category | Equity | Alternative |
| Style | Large Cap Blend | Option Writing |
| Inception | May 24, 2001 | Mar 31, 2021 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Apr 1, 2021 to Sep 17, 2026 (5.5 years).
VTI vs XBAP 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 5.5 years both funds cover.
VTI vs XBAP Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Innovator US Equity Accelerated 9 Buffer ETF - April (XBAP) is an ETF from Innovator ETFs Trust. Over the past year VTI returned +16.78% while XBAP returned +13.54%. Year to date, VTI is up 12.28% versus a gain of 10.82% for XBAP.
Over three years, VTI compounded at +20.89% per year against +13.41% for XBAP; over five years the annualized figures are +11.94% and +9.95% respectively. Across the full 6-year window we track, VTI has the edge at +12.79% annualized vs +9.94%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 8.6% for XBAP. 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 -25.4% for VTI and -14.6% for XBAP. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XBAP charges 0.79%. On a $10,000 position that is $3 vs $79 annually, a gap of $76 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 0.00% for XBAP.
Holdings Overlap
We hold position weights for 3,463 holdings in VTI and 1 in XBAP, totalling 98.1% and 106.7% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 3,463 positions we hold weights for in VTI and 1 in XBAP, against full books of 3,543 and 18.
You are not choosing between two funds in isolation.
Whichever of VTI and XBAP you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or XBAP?
VTI has an expense ratio of 0.03% while XBAP charges 0.79%. VTI is the cheaper option, by $76 a year on a $10,000 investment.
Which performed better, VTI or XBAP?
Over the past year VTI returned +16.78% vs +13.54% for XBAP, so VTI leads on 1-year performance. Over the longest common window we track (6 years), VTI annualized +12.79% vs +9.94% for XBAP. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XBAP?
VTI has been the more volatile fund at 15.5% annualized versus 8.6% for XBAP. Worst drawdown: VTI -25.4% vs XBAP -14.6%.
Should I hold both VTI and XBAP?
VTI and XBAP have a monthly-return correlation of 0.89, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VTI or XBAP?
VTI yields 1.03% while XBAP yields 0.00%, so VTI currently pays the higher dividend yield.
Is XBAP better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.