VTI vs XDSQ
Vanguard Morningstar Total Stock Market ETF vs Innovator US Equity Accelerated ETF - Quarterly
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XDSQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.79% | |
| AUM | $666.9B | $78M | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 7 | |
| YTD Return | +14.82% | +7.19% | |
| 1Y Return | +22.43% | +14.68% | |
| 3Y Return (annualized) | +21.93% | +15.91% | |
| 5Y Return (annualized) | +12.34% | +9.78% | |
| Volatility (annualized) | 15.4% | 13.5% | |
| Max Drawdown | -56.6% | -26.1% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Mar 31, 2021 |
VTI vs XDSQ Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Innovator US Equity Accelerated ETF - Quarterly (XDSQ) is a ETF from Innovator ETFs Trust. Over the past year VTI returned +22.43% while XDSQ returned +14.68%. Year to date, VTI is up 14.82% versus a gain of 7.19% for XDSQ.
Over three years, VTI compounded at +21.93% per year against +15.91% for XDSQ; over five years the annualized figures are +12.34% and +9.78% respectively. Across the full 5-year window we track, XDSQ has the edge at +10.89% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 13.5% for XDSQ. 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 -26.1% for XDSQ. 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 0.93. 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 XDSQ 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 XDSQ.
Holdings Overlap
VTI and XDSQ share 0 holdings out of 2788 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 XDSQ?
VTI has an expense ratio of 0.03% while XDSQ 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 XDSQ?
Over the past year VTI returned +22.43% vs +14.68% for XDSQ, so VTI leads on 1-year performance. Over the longest common window we track (5 years), VTI annualized +8.16% vs +10.89% for XDSQ. Past performance does not guarantee future results.
Which is riskier, VTI or XDSQ?
VTI has been the more volatile fund at 15.4% annualized versus 13.5% for XDSQ. Worst drawdown: VTI -56.6% vs XDSQ -26.1%.
Should I hold both VTI and XDSQ?
VTI and XDSQ have a monthly-return correlation of 0.93, 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 XDSQ?
VTI and XDSQ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, VTI or XDSQ?
VTI yields 1.07% while XDSQ yields 0.00%, so VTI currently pays the higher dividend yield.
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