VTI vs XJH
Vanguard Morningstar Total Stock Market ETF vs iShares ESG Select Screened S&P Mid-Cap ETF
Quick Verdict
VTI has a lower expense ratio. XJH delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XJH | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.12% | |
| AUM | $666.9B | $438M | |
| Dividend Yield | 1.07% | 1.09% | |
| Holdings | 3,543 | 361 | |
| YTD Return | +13.14% | +14.82% | |
| 1Y Return | +22.35% | +22.79% | |
| 3Y Return (annualized) | +21.83% | +15.55% | |
| 5Y Return (annualized) | +12.01% | +8.26% | |
| Volatility (annualized) | 15.3% | 18.4% | |
| Max Drawdown | -56.6% | -25.1% | |
| Fund Family | Vanguard (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Sep 22, 2020 |
VTI vs XJH Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and iShares ESG Select Screened S&P Mid-Cap ETF (XJH) is a ETF from iShares by BlackRock (US). Over the past year VTI returned +22.35% while XJH returned +22.79%. Year to date, VTI is up 13.14% versus a gain of 14.82% for XJH.
Over three years, VTI compounded at +21.83% per year against +15.55% for XJH; over five years the annualized figures are +12.01% and +8.26% respectively. Across the full 6-year window we track, XJH has the edge at +14.73% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XJH has been the more volatile fund, with annualized monthly volatility of 18.4% compared with 15.3% 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 -25.1% for XJH. 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 0.90. 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 XJH charges 0.12%. On a $10,000 position that is $3 vs $12 annually, a gap of $9 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 1.09% for XJH.
Holdings Overlap
VTI and XJH share 264 holdings out of 2879 unique holdings combined, representing a 2.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XJH?
VTI has an expense ratio of 0.03% while XJH charges 0.12%. VTI is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, VTI or XJH?
Over the past year VTI returned +22.35% vs +22.79% for XJH, so XJH leads on 1-year performance. Over the longest common window we track (6 years), VTI annualized +8.09% vs +14.73% for XJH. Past performance does not guarantee future results.
Which is riskier, VTI or XJH?
XJH has been the more volatile fund at 18.4% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XJH -25.1%.
Should I hold both VTI and XJH?
VTI and XJH have a monthly-return correlation of 0.90, 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 XJH?
VTI and XJH share 264 common holdings with a 2.4% weight overlap. Combined, they hold 2879 unique securities.
Which pays a higher dividend, VTI or XJH?
VTI yields 1.07% while XJH yields 1.09%, so XJH currently pays the higher dividend yield.
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