VTI vs XEML
Vanguard Morningstar Total Stock Market ETF vs Xtrackers Europe Market Leaders ETF
Which is better, VTI or XEML?
VTI costs less.
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 45.9%.
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 | XEML |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.35% |
| AUM | $666.9B | $5M |
| Dividend Yield | 1.03% | 1.77% |
| Holdings | 3,543 | 42 |
| YTD Return | +12.08%Best | -1.42% |
| 1Y Return | +16.31% | - |
| 3Y Return (annualized) | +20.83% | - |
| 5Y Return (annualized) | +11.89% | - |
| Top 10 Weight | 33.3%Best | 45.9% |
| Fund Family | Vanguard (US) | Xtrackers ETFs |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Dec 23, 2025 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
VTI vs XEML 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
VTI vs XEML Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Xtrackers Europe Market Leaders ETF (XEML) is an ETF from Xtrackers ETFs. Year to date, VTI is up 12.08% versus a loss of 1.42% for XEML.
Past performance does not guarantee future results.
Fees and Cost Over Time
VTI charges 0.03% per year while XEML charges 0.35%. On a $10,000 position that is $3 vs $35 annually, a gap of $32 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 1.77% for XEML.
Holdings Overlap
We hold position weights for 3,463 holdings in VTI and 41 in XEML, totalling 98.1% and 97.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 3,463 positions we hold weights for in VTI and 41 in XEML, against full books of 3,543 and 42.
What only one of them owns
Our book lists 0 positions for XEML that do not appear in our book for VTI (0.0% of the fund), and 1,150 for VTI that do not appear in XEML (97.5%).
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.
You are not choosing between two funds in isolation.
Whichever of VTI and XEML you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or XEML?
VTI has an expense ratio of 0.03% while XEML charges 0.35%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which pays a higher dividend, VTI or XEML?
VTI yields 1.03% while XEML yields 1.77%, so XEML currently pays the higher dividend yield.
Is XEML better than VTI?
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 45.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.