VTI vs XCHG
Vanguard Morningstar Total Stock Market ETF vs AB US Equity ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XCHG | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.50% | |
| AUM | $666.9B | $727M | |
| Dividend Yield | 1.07% | 0.37% | |
| Holdings | 3,543 | 591 | |
| YTD Return | +13.14% | +10.07% | |
| 1Y Return | +22.35% | - | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.6% | -9.7% | |
| Fund Family | Vanguard (US) | AllianceBernstein L.P. | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Dec 12, 2025 |
VTI vs XCHG Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and AB US Equity ETF (XCHG) is a ETF from AllianceBernstein L.P.. Year to date, VTI is up 13.14% versus a gain of 10.07% for XCHG.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.6% for VTI and -9.7% for XCHG. 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 XCHG charges 0.50%. On a $10,000 position that is $3 vs $50 annually, a gap of $47 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.37% for XCHG.
Holdings Overlap
VTI and XCHG share 443 holdings out of 2931 unique holdings combined, representing a 51.2% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, VTI or XCHG?
VTI has an expense ratio of 0.03% while XCHG charges 0.50%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
What is the holdings overlap between VTI and XCHG?
VTI and XCHG share 443 common holdings with a 51.2% weight overlap. Combined, they hold 2931 unique securities.
Which pays a higher dividend, VTI or XCHG?
VTI yields 1.07% while XCHG yields 0.37%, so VTI currently pays the higher dividend yield.
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