VTI vs XLSR
Vanguard Morningstar Total Stock Market ETF vs State Street US Sector Rotation ETF
Which is better, VTI or XLSR?
Nearly the same fund. VTI costs less.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 85.3%.
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 | XLSR |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.70% |
| AUM | $690.1B | $1.1B |
| Dividend Yield | 1.03% | 0.45% |
| Holdings | 3,524 | 26 |
| YTD Return | +13.35%Best | +7.73% |
| 1Y Return | +15.92%Best | +11.88% |
| 3Y Return (annualized) | +23.41%Best | +18.66% |
| 5Y Return (annualized) | +12.83%Best | +10.38% |
| Volatility (annualized) | 16.9% | 16.1%Best |
| Max Drawdown | -35.0% | -32.9%Best |
| $10,000 over 5 years | $18,286Best | $16,385 |
| Top 10 Weight | 33.3%Best | 85.3% |
| Fund Family | Vanguard (US) | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Apr 2, 2019 |
Volatility and max drawdown are measured over the window both funds cover: Apr 3, 2019 to Oct 2, 2026 (7.5 years).
VTI vs XLSR 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 7.5 years both funds cover.
VTI vs XLSR Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and State Street US Sector Rotation ETF (XLSR) is an ETF from State Street Investment Management. Over the past year VTI returned +15.92% while XLSR returned +11.88%. Year to date, VTI is up 13.35% versus a gain of 7.73% for XLSR.
Over three years, VTI compounded at +23.41% per year against +18.66% for XLSR; over five years the annualized figures are +12.83% and +10.38% respectively. Across the full 8-year window we track, VTI has the edge at +14.65% annualized vs +12.37%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.9% compared with 16.1% for XLSR. 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 -35.0% for VTI and -32.9% for XLSR. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.98. 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 XLSR charges 0.70%. On a $10,000 position that is $3 vs $70 annually, a gap of $67 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 0.45% for XLSR.
Holdings Overlap
36.3% of VTI's money is in holdings XLSR also owns. 28.3% of XLSR's money is in holdings VTI also owns.
The two portfolios partly overlap.
17 positions in common, counted across the 3,463 positions we hold weights for in VTI and 25 in XLSR, against full books of 3,524 and 26.
What only one of them owns
Measured across the 3,463 and 25 positions we hold weights for.
VTI holds 1,133 positions XLSR does not, 61.1% of the fund.
Largest: LLY 1.35%, JPM 1.31%, BRK.B 1.28%, JNJ 0.86%, V 0.83%
Top Shared Holdings
| Stock | Weight in VTI | Weight in XLSR | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.40% | 4.47% | 1.93% |
| AAPLApple, Inc | 6.29% | 4.12% | 2.17% |
| GOOGLAlphabet Inc,class A | 2.90% | 5.17% | 2.27% |
| MSFTMicrosoft Corp | 4.79% | 2.98% | 1.81% |
| GOOGAlphabet Inc. C | 2.31% | 4.02% | 1.71% |
| METAMeta Platforms Inc | 1.70% | 3.03% | 1.33% |
| AMZNAmazon.Com Inc | 3.65% | 0.95% | 2.70% |
| AVGOBroadcom Inc | 2.56% | 1.41% | 1.15% |
| MUMicron Technology, Inc. | 1.29% | 0.62% | 0.67% |
| XOMExxon Mobil Corp. | 0.89% | 0.41% | 0.48% |
36.3% of VTI is already inside XLSR.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or XLSR?
VTI has an expense ratio of 0.03% while XLSR charges 0.70%. VTI is the cheaper option, by $67 a year on a $10,000 investment.
Which performed better, VTI or XLSR?
Over the past year VTI returned +15.92% vs +11.88% for XLSR, so VTI leads on 1-year performance. Over the longest common window we track (8 years), VTI annualized +14.65% vs +12.37% for XLSR. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XLSR?
VTI has been the more volatile fund at 16.9% annualized versus 16.1% for XLSR. Worst drawdown: VTI -35.0% vs XLSR -32.9%.
Should I hold both VTI and XLSR?
VTI and XLSR have a monthly-return correlation of 0.98, 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.
What is the holdings overlap between VTI and XLSR?
36.3% of VTI's money is in holdings XLSR also owns. 28.3% of XLSR's is in holdings VTI also owns. They hold 17 positions in common, counted across the 3,463 positions we hold weights for in VTI and 25 in XLSR.
Which pays a higher dividend, VTI or XLSR?
VTI yields 1.03% while XLSR yields 0.45%, so VTI currently pays the higher dividend yield.
Is XLSR better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 85.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.