VTI vs XDAT
Vanguard Morningstar Total Stock Market ETF vs Franklin Exponential Data ETF
Which is better, VTI or XDAT?
Large Cap Blend against All Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 57.3%.
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 | XDAT |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.50% |
| AUM | $666.9B | $4M |
| Dividend Yield | 1.03% | 0.00% |
| Holdings | 3,543 | 61 |
| YTD Return | +12.30%Best | +6.54% |
| 1Y Return | +16.08%Best | -4.82% |
| 3Y Return (annualized) | +21.01%Best | +13.73% |
| 5Y Return (annualized) | +12.36%Best | -0.72% |
| Volatility (annualized) | 15.3%Best | 24.1% |
| Max Drawdown | -25.4%Best | -54.9% |
| $10,000 over 5 years | $17,908Best | $9,645 |
| Top 10 Weight | 33.3%Best | 57.3% |
| Fund Family | Vanguard (US) | Franklin Templeton Investments (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | All Cap Blend |
| Inception | May 24, 2001 | Jan 12, 2021 |
Volatility and max drawdown are measured over the window both funds cover: Jan 14, 2021 to Sep 18, 2026 (5.7 years).
VTI vs XDAT 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 5.7 years both funds cover.
VTI vs XDAT Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Franklin Exponential Data ETF (XDAT) is an ETF from Franklin Templeton Investments (US). Over the past year VTI returned +16.08% while XDAT returned -4.82%. Year to date, VTI is up 12.30% versus a gain of 6.54% for XDAT.
Over three years, VTI compounded at +21.01% per year against +13.73% for XDAT; over five years the annualized figures are +12.36% and -0.72% respectively. Across the full 6-year window we track, VTI has the edge at +13.37% annualized vs +1.55%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XDAT has been the more volatile fund, with annualized monthly volatility of 24.1% compared with 15.3% 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 -25.4% for VTI and -54.9% for XDAT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XDAT 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 0.00% for XDAT.
Holdings Overlap
14.3% of VTI's money is in holdings XDAT also owns. 95.5% of XDAT's money is in holdings VTI also owns.
Most of XDAT is already inside VTI. Owning both mostly buys the same companies twice.
52 positions in common, counted across the 3,463 positions we hold weights for in VTI and 61 in XDAT, against full books of 3,543 and 61.
What only one of them owns
Our book lists 3 positions for XDAT that do not appear in our book for VTI (0.7% of the fund), and 1,098 for VTI that do not appear in XDAT (83.2%).
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 XDAT | Difference |
|---|---|---|---|
| NETCloudflare Inc (180 Day Lockup) | 0.12% | 11.50% | 11.38% |
| GOOGLAlphabet Inc,class A | 2.90% | 8.45% | 5.55% |
| MSFTMicrosoft Corp | 4.79% | 4.41% | 0.38% |
| METAMeta Platforms Inc | 1.70% | 5.96% | 4.26% |
| SNOWSnowflake Inc | 0.13% | 5.97% | 5.84% |
| CRWDCrowdstrike Holdings Inc | 0.26% | 4.84% | 4.58% |
| PANWPalo Alto Networks, Inc | 0.38% | 4.63% | 4.25% |
| MDBMongodb, Inc. | 0.04% | 4.62% | 4.58% |
| DDOGDatadog Inc | 0.12% | 3.41% | 3.29% |
| FROGJfrog Ltd | 0.01% | 3.46% | 3.45% |
95.5% of XDAT 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 XDAT?
VTI has an expense ratio of 0.03% while XDAT charges 0.50%. VTI is the cheaper option, by $47 a year on a $10,000 investment.
Which performed better, VTI or XDAT?
Over the past year VTI returned +16.08% vs -4.82% for XDAT, so VTI leads on 1-year performance. Over the longest common window we track (6 years), VTI annualized +13.37% vs +1.55% for XDAT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XDAT?
XDAT has been the more volatile fund at 24.1% annualized versus 15.3% for VTI. Worst drawdown: VTI -25.4% vs XDAT -54.9%.
Should I hold both VTI and XDAT?
VTI and XDAT have a monthly-return correlation of 0.72, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between VTI and XDAT?
95.5% of XDAT's money is in holdings VTI also owns. 95.5% of XDAT's is in holdings VTI also owns. They hold 52 positions in common, counted across the 3,463 positions we hold weights for in VTI and 61 in XDAT.
Which pays a higher dividend, VTI or XDAT?
VTI yields 1.03% while XDAT yields 0.00%, so VTI currently pays the higher dividend yield.
Is XDAT better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 57.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.