VTI vs XMPT
Vanguard Morningstar Total Stock Market ETF vs VanEck CEF Municipal Income 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 | XMPT | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.97% | |
| AUM | $666.9B | $219M | |
| Dividend Yield | 1.07% | 6.39% | |
| Holdings | 3,543 | 40 | |
| YTD Return | +13.14% | -1.87% | |
| 1Y Return | +22.35% | +5.69% | |
| 3Y Return (annualized) | +21.83% | +6.14% | |
| 5Y Return (annualized) | +12.01% | -2.77% | |
| Volatility (annualized) | 15.3% | 42.2% | |
| Max Drawdown | -56.6% | -56.3% | |
| Fund Family | Vanguard (US) | VanEck | |
| Category | Equity | Tax Preferred | |
| Inception | May 24, 2001 | Jul 12, 2011 |
VTI vs XMPT Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and VanEck CEF Municipal Income ETF (XMPT) is a ETF from VanEck. Over the past year VTI returned +22.35% while XMPT returned +5.69%. Year to date, VTI is up 13.14% versus a loss of 1.87% for XMPT.
Over three years, VTI compounded at +21.83% per year against +6.14% for XMPT; over five years the annualized figures are +12.01% and -2.77% respectively. Across the full 15-year window we track, VTI has the edge at +8.09% annualized vs +3.77%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XMPT has been the more volatile fund, with annualized monthly volatility of 42.2% 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 -56.3% for XMPT. 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 0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while XMPT charges 1.97%. On a $10,000 position that is $3 vs $197 annually, a gap of $194 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 6.39% for XMPT.
Holdings Overlap
VTI and XMPT share 1 holdings out of 2824 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XMPT | Difference |
|---|---|---|---|
| MHD | 0.00% | 7.48% | 7.48% |
Frequently Asked Questions
Which is cheaper, VTI or XMPT?
VTI has an expense ratio of 0.03% while XMPT charges 1.97%. VTI is the cheaper option. On a $10,000 investment, that is $194 per year of difference.
Which performed better, VTI or XMPT?
Over the past year VTI returned +22.35% vs +5.69% for XMPT, so VTI leads on 1-year performance. Over the longest common window we track (15 years), VTI annualized +8.09% vs +3.77% for XMPT. Past performance does not guarantee future results.
Which is riskier, VTI or XMPT?
XMPT has been the more volatile fund at 42.2% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XMPT -56.3%.
Should I hold both VTI and XMPT?
VTI and XMPT have a monthly-return correlation of 0.05, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XMPT?
VTI and XMPT share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2824 unique securities.
Which pays a higher dividend, VTI or XMPT?
VTI yields 1.07% while XMPT yields 6.39%, so XMPT currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.