VTI vs XEMD
Vanguard Morningstar Total Stock Market ETF vs BondBloxx JP Morgan USD Emerging Markets 1-10 Year Bond ETF
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 | XEMD | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.29% | |
| AUM | $666.9B | $904M | |
| Dividend Yield | 1.07% | 5.81% | |
| Holdings | 3,543 | 429 | |
| YTD Return | +12.65% | +1.14% | |
| 1Y Return | +21.39% | +5.95% | |
| 3Y Return (annualized) | +21.54% | +10.18% | |
| 5Y Return (annualized) | +12.11% | - | |
| Volatility (annualized) | 15.3% | 6.6% | |
| Max Drawdown | -56.6% | -10.0% | |
| Fund Family | Vanguard (US) | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Jun 30, 2022 |
VTI vs XEMD Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and BondBloxx JP Morgan USD Emerging Markets 1-10 Year Bond ETF (XEMD) is a ETF from BondBloxx. Over the past year VTI returned +21.39% while XEMD returned +5.95%. Year to date, VTI is up 12.65% versus a gain of 1.14% for XEMD.
Over three years, VTI compounded at +21.54% per year against +10.18% for XEMD. Across the full 4-year window we track, XEMD has the edge at +8.55% annualized vs +8.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.6% for XEMD. 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 -10.0% for XEMD. 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XEMD charges 0.29%. On a $10,000 position that is $3 vs $29 annually, a gap of $26 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 5.81% for XEMD.
Holdings Overlap
VTI and XEMD share 0 holdings out of 2928 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 XEMD?
VTI has an expense ratio of 0.03% while XEMD charges 0.29%. VTI is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, VTI or XEMD?
Over the past year VTI returned +21.39% vs +5.95% for XEMD, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +8.07% vs +8.55% for XEMD. Past performance does not guarantee future results.
Which is riskier, VTI or XEMD?
VTI has been the more volatile fund at 15.3% annualized versus 6.6% for XEMD. Worst drawdown: VTI -56.6% vs XEMD -10.0%.
Should I hold both VTI and XEMD?
VTI and XEMD have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XEMD?
VTI and XEMD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2928 unique securities.
Which pays a higher dividend, VTI or XEMD?
VTI yields 1.07% while XEMD yields 5.81%, so XEMD currently pays the higher dividend yield.
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