VTI vs XJR
Vanguard Morningstar Total Stock Market ETF vs iShares ESG Select Screened S&P Small-Cap ETF
Quick Verdict
VTI has a lower expense ratio. XJR delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XJR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.12% | |
| AUM | $666.9B | $191M | |
| Dividend Yield | 1.07% | 0.94% | |
| Holdings | 3,543 | 602 | |
| YTD Return | +13.14% | +21.01% | |
| 1Y Return | +22.35% | +27.05% | |
| 3Y Return (annualized) | +21.83% | +16.00% | |
| 5Y Return (annualized) | +12.01% | +7.21% | |
| Volatility (annualized) | 15.3% | 20.4% | |
| Max Drawdown | -56.6% | -27.1% | |
| Fund Family | Vanguard (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Sep 22, 2020 |
VTI vs XJR Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and iShares ESG Select Screened S&P Small-Cap ETF (XJR) is a ETF from iShares by BlackRock (US). Over the past year VTI returned +22.35% while XJR returned +27.05%. Year to date, VTI is up 13.14% versus a gain of 21.01% for XJR.
Over three years, VTI compounded at +21.83% per year against +16.00% for XJR; over five years the annualized figures are +12.01% and +7.21% respectively. Across the full 6-year window we track, XJR has the edge at +14.90% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XJR has been the more volatile fund, with annualized monthly volatility of 20.4% 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 -27.1% for XJR. 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XJR 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 0.94% for XJR.
Holdings Overlap
VTI and XJR share 25 holdings out of 2793 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 XJR?
VTI has an expense ratio of 0.03% while XJR 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 XJR?
Over the past year VTI returned +22.35% vs +27.05% for XJR, so XJR leads on 1-year performance. Over the longest common window we track (6 years), VTI annualized +8.09% vs +14.90% for XJR. Past performance does not guarantee future results.
Which is riskier, VTI or XJR?
XJR has been the more volatile fund at 20.4% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XJR -27.1%.
Should I hold both VTI and XJR?
VTI and XJR have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XJR?
VTI and XJR share 25 common holdings with a 0.0% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, VTI or XJR?
VTI yields 1.07% while XJR yields 0.94%, so VTI currently pays the higher dividend yield.
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