VTI vs XCHG
Vanguard Morningstar Total Stock Market ETF vs AB US Equity ETF
Which is better, VTI or XCHG?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y. VTI is less concentrated, with 34.6% of the fund in its ten largest positions against 42.2%.
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 | $689.2B | $691M |
| Dividend Yield | 1.06% | 0.50% |
| Holdings | 3,542 | 1,160 |
| YTD Return | +12.23%Best | +9.62% |
| 1Y Return | +12.74%Best | +10.04% |
| 3Y Return (annualized) | +21.44% | - |
| 5Y Return (annualized) | +10.83% | - |
| Top 10 Weight | 34.6%Best | 42.2% |
| 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.
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.. Over the past year VTI returned +12.74% while XCHG returned +10.04%. Year to date, VTI is up 12.23% versus a gain of 9.62% 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 1.06% against 0.50% for XCHG.
Holdings Overlap
77.3% of VTI's money is in holdings XCHG also owns. 88.5% of XCHG's money is in holdings VTI also owns.
Most of XCHG is already inside VTI. Owning both mostly buys the same companies twice.
490 positions in common, counted across the 3,464 positions we hold weights for in VTI and 578 in XCHG, against full books of 3,542 and 1,160.
What only one of them owns
Our book lists 61 positions for XCHG that do not appear in our book for VTI (7.2% of the fund), and 663 for VTI that do not appear in XCHG (19.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XCHG | Difference |
|---|---|---|---|
| NVDANvidia Corp | 7.13% | 8.35% | 1.22% |
| AAPLApple Inc | 6.63% | 5.61% | 1.02% |
| MSFTMicrosoft Corp | 5.19% | 6.81% | 1.62% |
| AMZNAmazon.Com Inc | 3.30% | 4.67% | 1.37% |
| GOOGAlphabet Inc. C | 2.18% | 3.57% | 1.39% |
| METAMeta Platforms Inc | 2.18% | 3.28% | 1.10% |
| AVGOBroadcom Inc | 2.28% | 2.93% | 0.65% |
| GOOGLAlphabet Inc | 2.76% | 2.25% | 0.51% |
| VVisa Inc Class A | 0.00% | 2.99% | 2.99% |
| LLYEli Lilly & Co | 1.34% | 0.85% | 0.49% |
88.5% 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.
Which performed better, VTI or XCHG?
Over the past year VTI returned +12.74% vs +10.04% for XCHG, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
What is the holdings overlap between VTI and XCHG?
88.5% of XCHG's money is in holdings VTI also owns. 88.5% of XCHG's is in holdings VTI also owns. They hold 490 positions in common, counted across the 3,464 positions we hold weights for in VTI and 578 in XCHG.
Which pays a higher dividend, VTI or XCHG?
VTI yields 1.06% while XCHG yields 0.50%, so VTI currently pays the higher dividend yield.
Is XCHG better than VTI?
VTI has a lower expense ratio. VTI led over 1Y. VTI is less concentrated, with 34.6% of the fund in its ten largest positions against 42.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.