VTI vs XJUL
Vanguard Morningstar Total Stock Market ETF vs FT Vest US Equity Enhance & Moderate Buffer ETF - July
Which is better, VTI or XJUL?
Large Cap Blend against Multi Alternative.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.92.
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 | XJUL |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.85% |
| AUM | $666.9B | $43M |
| Dividend Yield | 1.03% | 0.00% |
| Holdings | 3,543 | 12 |
| YTD Return | +12.30%Best | +6.33% |
| 1Y Return | +16.08%Best | +8.61% |
| 3Y Return (annualized) | +21.01%Best | +10.61% |
| 5Y Return (annualized) | +12.36% | - |
| Volatility (annualized) | 13.2% | 4.7%Best |
| Max Drawdown | -19.3% | -9.1%Best |
| $10,000 over 3.2 years | $17,392Best | $13,546 |
| Fund Family | Vanguard (US) | First Trust Portfolios (US) |
| Category | Equity | Alternative |
| Style | Large Cap Blend | Multi Alternative |
| Inception | May 24, 2001 | Jul 21, 2023 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jul 24, 2023 to Sep 18, 2026 (3.2 years).
VTI vs XJUL 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 covers the 3.2 years both funds cover.
VTI vs XJUL Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and FT Vest US Equity Enhance & Moderate Buffer ETF - July (XJUL) is an ETF from First Trust Portfolios (US). Over the past year VTI returned +16.08% while XJUL returned +8.61%. Year to date, VTI is up 12.30% versus a gain of 6.33% for XJUL.
Over three years, VTI compounded at +21.01% per year against +10.61% for XJUL.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.2% compared with 4.7% for XJUL. 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 -19.3% for VTI and -9.1% for XJUL. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.92. 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 XJUL charges 0.85%. On a $10,000 position that is $3 vs $85 annually, a gap of $82 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 0.00% for XJUL.
You are not choosing between two funds in isolation.
Whichever of VTI and XJUL 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 XJUL?
VTI has an expense ratio of 0.03% while XJUL charges 0.85%. VTI is the cheaper option, by $82 a year on a $10,000 investment.
Which performed better, VTI or XJUL?
Over the past year VTI returned +16.08% vs +8.61% for XJUL, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XJUL?
VTI has been the more volatile fund at 13.2% annualized versus 4.7% for XJUL. Worst drawdown: VTI -19.3% vs XJUL -9.1%.
Should I hold both VTI and XJUL?
VTI and XJUL have a monthly-return correlation of 0.92, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, VTI or XJUL?
VTI yields 1.03% while XJUL yields 0.00%, so VTI currently pays the higher dividend yield.
Is XJUL better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. The two have moved almost in lockstep, correlation 0.92. Which one suits a particular account depends on what it is for. This is information, not a recommendation.