VTI vs XCHG
Vanguard Morningstar Total Stock Market ETF vs AB US Equity ETF
Which is better, VTI or XCHG?
VTI costs less.
VTI has a lower expense ratio.
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 | XCHG |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.50% |
| AUM | $666.9B | $710M |
| Dividend Yield | 1.03% | 0.36% |
| Holdings | 3,543 | 591 |
| YTD Return | +12.57%Best | +9.82% |
| 1Y Return | +17.22% | - |
| 3Y Return (annualized) | +20.87% | - |
| 5Y Return (annualized) | +11.86% | - |
| Fund Family | Vanguard (US) | AllianceBernstein L.P. |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Dec 12, 2025 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
VTI vs XCHG 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
VTI vs XCHG Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and AB US Equity ETF (XCHG) is an ETF from AllianceBernstein L.P.. Year to date, VTI is up 12.57% versus a gain of 9.82% for XCHG.
Past performance does not guarantee future results.
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 1.03% against 0.36% for XCHG.
Holdings Overlap
At least 87.6% of XCHG's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of XCHG is already inside VTI. Owning both mostly buys the same companies twice.
441 positions in common, counted across the 2,787 positions we hold weights for in VTI and 586 in XCHG, against full books of 3,543 and 591.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XCHG | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 6.32% | 8.06% | 1.74% |
| AAPLApple, Inc | 5.84% | 5.11% | 0.73% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 3.81% | 6.20% | 2.39% |
| AMZNAmazon.Com Inc | 3.17% | 4.97% | 1.80% |
| GOOGAlphabet Inc | 2.27% | 3.91% | 1.64% |
| AVGOBroadcom Inc | 2.46% | 3.49% | 1.03% |
| GOOGLAlphabet A Usd 0.001 | 2.88% | 2.30% | 0.58% |
| VVisa Inc | 0.77% | 2.78% | 2.01% |
| METAMeta Platforms, Inc. | 0.00% | 2.85% | 2.85% |
| LLYEli Lilly & Co. | 1.40% | 0.91% | 0.49% |
87.6% of XCHG is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $47 a year on a $10,000 investment.
What is the holdings overlap between VTI and XCHG?
At least 87.6% of XCHG's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 441 positions in common, counted across the 2,787 positions we hold weights for in VTI and 586 in XCHG.
Which pays a higher dividend, VTI or XCHG?
VTI yields 1.03% while XCHG yields 0.36%, so VTI currently pays the higher dividend yield.
Is XCHG better than VTI?
VTI has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.