VTI vs XOVR
Vanguard Morningstar Total Stock Market ETF vs ERShares Private-Public Crossover 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 | XOVR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.81% | |
| AUM | $666.9B | $1.9B | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 33 | |
| YTD Return | +13.12% | +2.45% | |
| 1Y Return | +20.82% | +3.23% | |
| 3Y Return (annualized) | +21.43% | +20.54% | |
| 5Y Return (annualized) | +11.84% | +4.40% | |
| Volatility (annualized) | 15.3% | 24.2% | |
| Max Drawdown | -56.6% | -56.3% | |
| Fund Family | Vanguard (US) | ERShares | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Nov 7, 2017 |
VTI vs XOVR Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and ERShares Private-Public Crossover ETF (XOVR) is a ETF from ERShares. Over the past year VTI returned +20.82% while XOVR returned +3.23%. Year to date, VTI is up 13.12% versus a gain of 2.45% for XOVR.
Over three years, VTI compounded at +21.43% per year against +20.54% for XOVR; over five years the annualized figures are +11.84% and +4.40% respectively. Across the full 9-year window we track, XOVR has the edge at +10.49% annualized vs +8.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XOVR has been the more volatile fund, with annualized monthly volatility of 24.2% 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 XOVR. 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XOVR charges 1.81%. On a $10,000 position that is $3 vs $181 annually, a gap of $178 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.00% for XOVR.
Holdings Overlap
VTI and XOVR share 28 holdings out of 2789 unique holdings combined, representing a 14.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XOVR?
VTI has an expense ratio of 0.03% while XOVR charges 1.81%. VTI is the cheaper option. On a $10,000 investment, that is $178 per year of difference.
Which performed better, VTI or XOVR?
Over the past year VTI returned +20.82% vs +3.23% for XOVR, so VTI leads on 1-year performance. Over the longest common window we track (9 years), VTI annualized +8.08% vs +10.49% for XOVR. Past performance does not guarantee future results.
Which is riskier, VTI or XOVR?
XOVR has been the more volatile fund at 24.2% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XOVR -56.3%.
Should I hold both VTI and XOVR?
VTI and XOVR have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XOVR?
VTI and XOVR share 28 common holdings with a 14.1% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, VTI or XOVR?
VTI yields 1.07% while XOVR yields 0.00%, so VTI currently pays the higher dividend yield.
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