VTI vs XCNY
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR S&P Emerging Markets ex-China ETF
Which is better, VTI or XCNY?
XCNY has been ahead.
VTI has a lower expense ratio. XCNY led over 1Y and the full window. XCNY is less concentrated, with 29.8% of the fund in its ten largest positions against 33.3%.
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 | XCNY |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.19% |
| AUM | $666.9B | $10M |
| Dividend Yield | 1.03% | 2.22% |
| Holdings | 3,543 | 1,234 |
| YTD Return | +12.30% | +19.63%Best |
| 1Y Return | +16.08% | +26.39%Best |
| 3Y Return (annualized) | +21.01% | - |
| 5Y Return (annualized) | +12.36% | - |
| Volatility (annualized) | 13.0%Best | 14.1% |
| Max Drawdown | -19.3% | -18.9%Best |
| $10,000 over 2 years | $14,116 | $14,180Best |
| Top 10 Weight | 33.3% | 29.8%Best |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Sep 4, 2024 |
Volatility and max drawdown, and the $10,000 over 2 years row, are measured over the window both funds cover: Sep 5, 2024 to Sep 18, 2026 (2 years).
VTI vs XCNY 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 2 years both funds cover.
VTI vs XCNY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and State Street SPDR S&P Emerging Markets ex-China ETF (XCNY) is an ETF from SPDR State Street Global Advisors. Over the past year VTI returned +16.08% while XCNY returned +26.39%. Year to date, VTI is up 12.30% versus a gain of 19.63% for XCNY.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XCNY has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 13.0% for VTI. 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 -19.3% for VTI and -18.9% for XCNY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
VTI charges 0.03% per year while XCNY charges 0.19%. On a $10,000 position that is $3 vs $19 annually, a gap of $16 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 2.22% for XCNY.
Holdings Overlap
0.5% of VTI's money is in holdings XCNY also owns. 0.3% of XCNY's money is in holdings VTI also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
5 positions in common, counted across the 3,463 positions we hold weights for in VTI and 1,188 in XCNY, against full books of 3,543 and 1,234.
What only one of them owns
Our book lists 20 positions for XCNY that do not appear in our book for VTI (1.9% of the fund), and 1,149 for VTI that do not appear in XCNY (97.0%).
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.
You are not choosing between two funds in isolation.
Whichever of VTI and XCNY 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 XCNY?
VTI has an expense ratio of 0.03% while XCNY charges 0.19%. VTI is the cheaper option, by $16 a year on a $10,000 investment.
Which performed better, VTI or XCNY?
Over the past year VTI returned +16.08% vs +26.39% for XCNY, so XCNY leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +18.81% vs +19.08% for XCNY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XCNY?
XCNY has been the more volatile fund at 14.1% annualized versus 13.0% for VTI. Worst drawdown: VTI -19.3% vs XCNY -18.9%.
Should I hold both VTI and XCNY?
VTI and XCNY have a monthly-return correlation of 0.61, 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 XCNY?
VTI yields 1.03% while XCNY yields 2.22%, so XCNY currently pays the higher dividend yield.
Is XCNY better than VTI?
VTI has a lower expense ratio. XCNY led over 1Y and the full window. XCNY is less concentrated, with 29.8% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.