VTI vs XNTK
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR NYSE Technology ETF
Quick Verdict
VTI has a lower expense ratio. XNTK delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XNTK | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.35% | |
| AUM | $666.9B | $2.3B | |
| Dividend Yield | 1.07% | 0.16% | |
| Holdings | 3,543 | 37 | |
| YTD Return | +13.14% | +27.89% | |
| 1Y Return | +22.35% | +51.16% | |
| 3Y Return (annualized) | +21.83% | +37.83% | |
| 5Y Return (annualized) | +12.01% | +18.02% | |
| Volatility (annualized) | 15.3% | 26.2% | |
| Max Drawdown | -56.6% | -76.3% | |
| Fund Family | Vanguard (US) | State Street Investment Management | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Sep 25, 2000 |
VTI vs XNTK Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and State Street SPDR NYSE Technology ETF (XNTK) is a ETF from State Street Investment Management. Over the past year VTI returned +22.35% while XNTK returned +51.16%. Year to date, VTI is up 13.14% versus a gain of 27.89% for XNTK.
Over three years, VTI compounded at +21.83% per year against +37.83% for XNTK; over five years the annualized figures are +12.01% and +18.02% respectively. Across the full 25-year window we track, XNTK has the edge at +8.19% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNTK has been the more volatile fund, with annualized monthly volatility of 26.2% 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 -76.3% for XNTK. 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XNTK charges 0.35%. On a $10,000 position that is $3 vs $35 annually, a gap of $32 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.16% for XNTK.
Holdings Overlap
VTI and XNTK share 31 holdings out of 2792 unique holdings combined, representing a 28.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XNTK?
VTI has an expense ratio of 0.03% while XNTK charges 0.35%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, VTI or XNTK?
Over the past year VTI returned +22.35% vs +51.16% for XNTK, so XNTK leads on 1-year performance. Over the longest common window we track (25 years), VTI annualized +8.09% vs +8.19% for XNTK. Past performance does not guarantee future results.
Which is riskier, VTI or XNTK?
XNTK has been the more volatile fund at 26.2% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XNTK -76.3%.
Should I hold both VTI and XNTK?
VTI and XNTK have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XNTK?
VTI and XNTK share 31 common holdings with a 28.8% weight overlap. Combined, they hold 2792 unique securities.
Which pays a higher dividend, VTI or XNTK?
VTI yields 1.07% while XNTK yields 0.16%, so VTI currently pays the higher dividend yield.
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