VTI vs XRLX
Vanguard Morningstar Total Stock Market ETF vs FundX Conservative 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 | XRLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.20% | |
| AUM | $666.9B | $50M | |
| Dividend Yield | 1.07% | 2.65% | |
| Holdings | 3,543 | 22 | |
| YTD Return | +13.14% | +6.41% | |
| 1Y Return | +22.35% | +11.53% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 9.0% | |
| Max Drawdown | -56.6% | -15.3% | |
| Fund Family | Vanguard (US) | Fund X | |
| Category | Equity | Allocation/Balanced | |
| Inception | May 24, 2001 | Oct 10, 2023 |
VTI vs XRLX Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and FundX Conservative ETF (XRLX) is a ETF from Fund X. Over the past year VTI returned +22.35% while XRLX returned +11.53%. Year to date, VTI is up 13.14% versus a gain of 6.41% for XRLX.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 9.0% for XRLX. 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 -15.3% for XRLX. 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 0.96. 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 XRLX charges 1.20%. On a $10,000 position that is $3 vs $120 annually, a gap of $117 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 2.65% for XRLX.
Holdings Overlap
VTI and XRLX share 0 holdings out of 2807 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 XRLX?
VTI has an expense ratio of 0.03% while XRLX charges 1.20%. VTI is the cheaper option. On a $10,000 investment, that is $117 per year of difference.
Which performed better, VTI or XRLX?
Over the past year VTI returned +22.35% vs +11.53% for XRLX, so VTI leads on 1-year performance. Over the longest common window we track (3 years), VTI annualized +8.09% vs +13.78% for XRLX. Past performance does not guarantee future results.
Which is riskier, VTI or XRLX?
VTI has been the more volatile fund at 15.3% annualized versus 9.0% for XRLX. Worst drawdown: VTI -56.6% vs XRLX -15.3%.
Should I hold both VTI and XRLX?
VTI and XRLX have a monthly-return correlation of 0.96, 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 XRLX?
VTI and XRLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2807 unique securities.
Which pays a higher dividend, VTI or XRLX?
VTI yields 1.07% while XRLX yields 2.65%, so XRLX currently pays the higher dividend yield.
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