VTI vs XCNY
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR S&P Emerging Markets ex-China ETF
Quick Verdict
VTI has a lower expense ratio. XCNY delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XCNY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.19% | |
| AUM | $666.9B | $10M | |
| Dividend Yield | 1.07% | 2.31% | |
| Holdings | 3,543 | 1,234 | |
| YTD Return | +13.14% | +17.73% | |
| 1Y Return | +22.35% | +30.12% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 14.3% | |
| Max Drawdown | -56.6% | -18.9% | |
| Fund Family | Vanguard (US) | SPDR State Street Global Advisors | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Sep 4, 2024 |
VTI vs XCNY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and State Street SPDR S&P Emerging Markets ex-China ETF (XCNY) is a ETF from SPDR State Street Global Advisors. Over the past year VTI returned +22.35% while XCNY returned +30.12%. Year to date, VTI is up 13.14% versus a gain of 17.73% for XCNY.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.3% for XCNY. 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 -56.6% for VTI and -18.9% for XCNY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.07% against 2.31% for XCNY.
Holdings Overlap
VTI and XCNY share 5 holdings out of 3978 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $16 per year of difference.
Which performed better, VTI or XCNY?
Over the past year VTI returned +22.35% vs +30.12% for XCNY, so XCNY leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +8.09% vs +18.92% for XCNY. Past performance does not guarantee future results.
Which is riskier, VTI or XCNY?
VTI has been the more volatile fund at 15.3% annualized versus 14.3% for XCNY. Worst drawdown: VTI -56.6% vs XCNY -18.9%.
Should I hold both VTI and XCNY?
VTI and XCNY have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XCNY?
VTI and XCNY share 5 common holdings with a 0.0% weight overlap. Combined, they hold 3978 unique securities.
Which pays a higher dividend, VTI or XCNY?
VTI yields 1.07% while XCNY yields 2.31%, so XCNY currently pays the higher dividend yield.
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