VTI vs XFLX
Vanguard Morningstar Total Stock Market ETF vs FundX Flexible 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 | XFLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.97% | |
| AUM | $666.9B | $51M | |
| Dividend Yield | 1.07% | 9.70% | |
| Holdings | 3,543 | 14 | |
| YTD Return | +13.14% | +1.47% | |
| 1Y Return | +22.35% | +3.59% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 4.0% | |
| Max Drawdown | -56.6% | -6.5% | |
| Fund Family | Vanguard (US) | Fund X | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Jul 1, 2002 |
VTI vs XFLX Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and FundX Flexible ETF (XFLX) is a ETF from Fund X. Over the past year VTI returned +22.35% while XFLX returned +3.59%. Year to date, VTI is up 13.14% versus a gain of 1.47% for XFLX.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.0% for XFLX. 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 -6.5% for XFLX. 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XFLX charges 0.97%. On a $10,000 position that is $3 vs $97 annually, a gap of $94 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 9.70% for XFLX.
Holdings Overlap
VTI and XFLX share 0 holdings out of 2800 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 XFLX?
VTI has an expense ratio of 0.03% while XFLX charges 0.97%. VTI is the cheaper option. On a $10,000 investment, that is $94 per year of difference.
Which performed better, VTI or XFLX?
Over the past year VTI returned +22.35% vs +3.59% for XFLX, so VTI leads on 1-year performance. Over the longest common window we track (3 years), VTI annualized +8.09% vs +4.23% for XFLX. Past performance does not guarantee future results.
Which is riskier, VTI or XFLX?
VTI has been the more volatile fund at 15.3% annualized versus 4.0% for XFLX. Worst drawdown: VTI -56.6% vs XFLX -6.5%.
Should I hold both VTI and XFLX?
VTI and XFLX have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XFLX?
VTI and XFLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2800 unique securities.
Which pays a higher dividend, VTI or XFLX?
VTI yields 1.07% while XFLX yields 9.70%, so XFLX currently pays the higher dividend yield.
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