VTI vs XDQQ
Vanguard Total Stock Market ETF vs Innovator Growth-100 Accelerated ETF - Quarterly
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 | XDQQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.79% | |
| AUM | $663.5B | $57M | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 5 | |
| YTD Return | +14.96% | +3.87% | |
| 1Y Return | +22.39% | +11.45% | |
| 3Y Return (annualized) | +21.51% | +17.47% | |
| 5Y Return (annualized) | +12.36% | +7.16% | |
| Volatility (annualized) | 15.4% | 17.5% | |
| Max Drawdown | -56.6% | -35.6% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Mar 31, 2021 |
VTI vs XDQQ Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Innovator Growth-100 Accelerated ETF - Quarterly (XDQQ) is a ETF from Innovator ETFs Trust. Over the past year VTI returned +22.39% while XDQQ returned +11.45%. Year to date, VTI is up 14.96% versus a gain of 3.87% for XDQQ.
Over three years, VTI compounded at +21.51% per year against +17.47% for XDQQ; over five years the annualized figures are +12.36% and +7.16% respectively. Across the full 5-year window we track, XDQQ has the edge at +8.88% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XDQQ has been the more volatile fund, with annualized monthly volatility of 17.5% compared with 15.4% 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 -56.6% for VTI and -35.6% for XDQQ. 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XDQQ charges 0.79%. On a $10,000 position that is $3 vs $79 annually, a gap of $76 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.00% for XDQQ.
Frequently Asked Questions
Which is cheaper, VTI or XDQQ?
VTI has an expense ratio of 0.03% while XDQQ charges 0.79%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, VTI or XDQQ?
Over the past year VTI returned +22.39% vs +11.45% for XDQQ, so VTI leads on 1-year performance. Over the longest common window we track (5 years), VTI annualized +8.16% vs +8.88% for XDQQ. Past performance does not guarantee future results.
Which is riskier, VTI or XDQQ?
XDQQ has been the more volatile fund at 17.5% annualized versus 15.4% for VTI. Worst drawdown: VTI -56.6% vs XDQQ -35.6%.
Should I hold both VTI and XDQQ?
VTI and XDQQ have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, VTI or XDQQ?
VTI yields 1.07% while XDQQ yields 0.00%, so VTI currently pays the higher dividend yield.
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