VTI vs XBFR
Vanguard Morningstar Total Stock Market ETF vs Innovator Equity Managed 10 Buffer ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XBFR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.79% | |
| AUM | $666.9B | $46M | |
| Dividend Yield | 1.07% | 0.10% | |
| Holdings | 3,543 | 201 | |
| YTD Return | +13.14% | +6.40% | |
| 1Y Return | +22.35% | - | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.6% | -4.1% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Feb 24, 2026 |
VTI vs XBFR Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Innovator Equity Managed 10 Buffer ETF (XBFR) is a ETF from Innovator ETFs Trust. Year to date, VTI is up 13.14% versus a gain of 6.40% for XBFR.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.6% for VTI and -4.1% for XBFR. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
VTI charges 0.03% per year while XBFR 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 1.07% against 0.10% for XBFR.
Holdings Overlap
VTI and XBFR share 165 holdings out of 2807 unique holdings combined, representing a 61.1% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, VTI or XBFR?
VTI has an expense ratio of 0.03% while XBFR charges 0.79%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
What is the holdings overlap between VTI and XBFR?
VTI and XBFR share 165 common holdings with a 61.1% weight overlap. Combined, they hold 2807 unique securities.
Which pays a higher dividend, VTI or XBFR?
VTI yields 1.07% while XBFR yields 0.10%, so VTI currently pays the higher dividend yield.
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