VTI vs XMHQ
Vanguard Morningstar Total Stock Market ETF vs Invesco S&P MidCap Quality 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 | XMHQ | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $666.9B | $5.7B | |
| Dividend Yield | 1.07% | 0.57% | |
| Holdings | 3,543 | 82 | |
| YTD Return | +13.12% | +14.46% | |
| 1Y Return | +20.82% | +14.55% | |
| 3Y Return (annualized) | +21.43% | +15.38% | |
| 5Y Return (annualized) | +11.84% | +10.46% | |
| Volatility (annualized) | 15.3% | 17.6% | |
| Max Drawdown | -56.6% | -58.4% | |
| Fund Family | Vanguard (US) | Invesco (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Dec 1, 2006 |
VTI vs XMHQ Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Invesco S&P MidCap Quality ETF (XMHQ) is a ETF from Invesco (US). Over the past year VTI returned +20.82% while XMHQ returned +14.55%. Year to date, VTI is up 13.12% versus a gain of 14.46% for XMHQ.
Over three years, VTI compounded at +21.43% per year against +15.38% for XMHQ; over five years the annualized figures are +11.84% and +10.46% respectively. Across the full 20-year window we track, XMHQ has the edge at +8.70% annualized vs +8.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XMHQ has been the more volatile fund, with annualized monthly volatility of 17.6% 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 -58.4% for XMHQ. 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 0.92. 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 XMHQ charges 0.25%. On a $10,000 position that is $3 vs $25 annually, a gap of $22 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.57% for XMHQ.
Holdings Overlap
VTI and XMHQ share 61 holdings out of 2807 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XMHQ?
VTI has an expense ratio of 0.03% while XMHQ charges 0.25%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, VTI or XMHQ?
Over the past year VTI returned +20.82% vs +14.55% for XMHQ, so VTI leads on 1-year performance. Over the longest common window we track (20 years), VTI annualized +8.08% vs +8.70% for XMHQ. Past performance does not guarantee future results.
Which is riskier, VTI or XMHQ?
XMHQ has been the more volatile fund at 17.6% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XMHQ -58.4%.
Should I hold both VTI and XMHQ?
VTI and XMHQ have a monthly-return correlation of 0.92, 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 XMHQ?
VTI and XMHQ share 61 common holdings with a 0.6% weight overlap. Combined, they hold 2807 unique securities.
Which pays a higher dividend, VTI or XMHQ?
VTI yields 1.07% while XMHQ yields 0.57%, so VTI currently pays the higher dividend yield.
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