VTI vs XPAY
Vanguard Morningstar Total Stock Market ETF vs Roundhill S&P 500 Target 20 Managed Distribution 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 | XPAY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.49% | |
| AUM | $666.9B | $177M | |
| Dividend Yield | 1.07% | 21.06% | |
| Holdings | 3,543 | 16 | |
| YTD Return | +13.38% | +12.47% | |
| 1Y Return | +21.12% | +19.78% | |
| 3Y Return (annualized) | +21.85% | - | |
| 5Y Return (annualized) | +12.44% | - | |
| Volatility (annualized) | 15.3% | 13.4% | |
| Max Drawdown | -56.6% | -18.2% | |
| Fund Family | Vanguard (US) | Roundhill Investments | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Oct 31, 2024 |
VTI vs XPAY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Roundhill S&P 500 Target 20 Managed Distribution ETF (XPAY) is a ETF from Roundhill Investments. Over the past year VTI returned +21.12% while XPAY returned +19.78%. Year to date, VTI is up 13.38% versus a gain of 12.47% for XPAY.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.4% for XPAY. 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 -18.2% for XPAY. 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 0.99. 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 XPAY charges 0.49%. On a $10,000 position that is $3 vs $49 annually, a gap of $46 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 21.06% for XPAY.
Holdings Overlap
VTI and XPAY share 0 holdings out of 2788 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XPAY?
VTI has an expense ratio of 0.03% while XPAY charges 0.49%. VTI is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, VTI or XPAY?
Over the past year VTI returned +21.12% vs +19.78% for XPAY, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +8.10% vs +18.59% for XPAY. Past performance does not guarantee future results.
Which is riskier, VTI or XPAY?
VTI has been the more volatile fund at 15.3% annualized versus 13.4% for XPAY. Worst drawdown: VTI -56.6% vs XPAY -18.2%.
Should I hold both VTI and XPAY?
VTI and XPAY have a monthly-return correlation of 0.99, 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 XPAY?
VTI and XPAY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, VTI or XPAY?
VTI yields 1.07% while XPAY yields 21.06%, so XPAY currently pays the higher dividend yield.
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