VTI vs XRLV
Vanguard Morningstar Total Stock Market ETF vs Invesco S&P 500 ex-Rate Sensitive Low Volatility 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 | XRLV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $666.9B | $29M | |
| Dividend Yield | 1.07% | 2.08% | |
| Holdings | 3,543 | 102 | |
| YTD Return | +13.12% | +6.61% | |
| 1Y Return | +20.82% | +5.58% | |
| 3Y Return (annualized) | +21.43% | +8.59% | |
| 5Y Return (annualized) | +11.84% | +8.58% | |
| Volatility (annualized) | 15.3% | 13.5% | |
| Max Drawdown | -56.6% | -38.3% | |
| Fund Family | Vanguard (US) | Invesco (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Apr 6, 2015 |
VTI vs XRLV Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Invesco S&P 500 ex-Rate Sensitive Low Volatility ETF (XRLV) is a ETF from Invesco (US). Over the past year VTI returned +20.82% while XRLV returned +5.58%. Year to date, VTI is up 13.12% versus a gain of 6.61% for XRLV.
Over three years, VTI compounded at +21.43% per year against +8.59% for XRLV; over five years the annualized figures are +11.84% and +8.58% respectively. Across the full 11-year window we track, XRLV has the edge at +9.89% annualized vs +8.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.5% for XRLV. 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 -38.3% for XRLV. 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XRLV 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 2.08% for XRLV.
Holdings Overlap
VTI and XRLV share 92 holdings out of 2795 unique holdings combined, representing a 12.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XRLV?
VTI has an expense ratio of 0.03% while XRLV 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 XRLV?
Over the past year VTI returned +20.82% vs +5.58% for XRLV, so VTI leads on 1-year performance. Over the longest common window we track (11 years), VTI annualized +8.08% vs +9.89% for XRLV. Past performance does not guarantee future results.
Which is riskier, VTI or XRLV?
VTI has been the more volatile fund at 15.3% annualized versus 13.5% for XRLV. Worst drawdown: VTI -56.6% vs XRLV -38.3%.
Should I hold both VTI and XRLV?
VTI and XRLV have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XRLV?
VTI and XRLV share 92 common holdings with a 12.5% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, VTI or XRLV?
VTI yields 1.07% while XRLV yields 2.08%, so XRLV currently pays the higher dividend yield.
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