VTI vs XDIV
VTI vs XDIV
Vanguard Total Stock Market ETF vs Roundhill S&P 500 No Dividend Target ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | XDIV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.08% | |
| AUM | $663.5B | $66M | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 2 | |
| YTD Return | +14.20% | +13.80% | |
| 1Y Return | +24.16% | +23.82% | |
| 3Y Return (annualized) | +21.12% | - | |
| 5Y Return (annualized) | +12.37% | - | |
| Volatility (annualized) | 15.3% | 12.4% | |
| Max Drawdown | -56.6% | -9.2% | |
| Fund Family | Vanguard (US) | Roundhill Investments | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Jul 10, 2025 |
VTI vs XDIV Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Roundhill S&P 500 No Dividend Target ETF (XDIV) is a ETF from Roundhill Investments. Over the past year VTI returned +24.16% while XDIV returned +23.82%. Year to date, VTI is up 14.20% versus a gain of 13.80% for XDIV.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.4% for XDIV. 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 -9.2% for XDIV. 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
VTI charges 0.03% per year while XDIV charges 0.08%. On a $10,000 position that is $3 vs $8 annually, a gap of $5 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.00% for XDIV.
Holdings Overlap
VTI and XDIV share 0 holdings out of 2784 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 XDIV?
VTI has an expense ratio of 0.03% while XDIV charges 0.08%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, VTI or XDIV?
Over the past year VTI returned +24.16% vs +23.82% for XDIV, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.14% vs +22.92% for XDIV. Past performance does not guarantee future results.
Which is riskier, VTI or XDIV?
VTI has been the more volatile fund at 15.3% annualized versus 12.4% for XDIV. Worst drawdown: VTI -56.6% vs XDIV -9.2%.
Should I hold both VTI and XDIV?
VTI and XDIV have a monthly-return correlation of 0.99, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between VTI and XDIV?
VTI and XDIV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, VTI or XDIV?
VTI yields 1.07% while XDIV yields 0.00%, so VTI currently pays the higher dividend yield.
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