VTI vs XRMI
Vanguard Morningstar Total Stock Market ETF vs Global X S&P 500 Risk Managed Income ETF
Which is better, VTI or XRMI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.4%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | VTI | XRMI |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.60% |
| AUM | $690.1B | $59M |
| Dividend Yield | 1.03% | 12.45% |
| Holdings | 3,524 | 1,018 |
| YTD Return | +14.54%Best | +6.52% |
| 1Y Return | +16.83%Best | +10.53% |
| 3Y Return (annualized) | +22.56%Best | +8.71% |
| 5Y Return (annualized) | +12.76%Best | +3.39% |
| Volatility (annualized) | 15.9% | 6.6%Best |
| Max Drawdown | -25.4% | -15.3%Best |
| $10,000 over 5 years | $18,230Best | $11,814 |
| Top 10 Weight | 33.3%Best | 38.4% |
| Fund Family | Vanguard (US) | Global X by mirae Asset |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Aug 25, 2021 |
Volatility and max drawdown are measured over the window both funds cover: Aug 26, 2021 to Oct 9, 2026 (5.1 years).
VTI vs XRMI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.1 years both funds cover.
VTI vs XRMI Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Global X S&P 500 Risk Managed Income ETF (XRMI) is an ETF from Global X by mirae Asset. Over the past year VTI returned +16.83% while XRMI returned +10.53%. Year to date, VTI is up 14.54% versus a gain of 6.52% for XRMI.
Over three years, VTI compounded at +22.56% per year against +8.71% for XRMI; over five years the annualized figures are +12.76% and +3.39% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 6.6% for XRMI. 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 -25.4% for VTI and -15.3% for XRMI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 XRMI charges 0.60%. On a $10,000 position that is $3 vs $60 annually, a gap of $57 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 12.45% for XRMI.
Holdings Overlap
88.3% of VTI's money is in holdings XRMI also owns. 99.6% of XRMI's money is in holdings VTI also owns.
Most of XRMI is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 46 days apart, VTI as of Jul 31, 2026 and XRMI as of Sep 15, 2026, so some of the difference between them is the time between the two reports rather than the funds.
493 positions in common, counted across the 3,463 positions we hold weights for in VTI and 497 in XRMI, against full books of 3,524 and 1,018.
What only one of them owns
Our book lists 4 positions for XRMI that do not appear in our book for VTI (0.3% of the fund), and 663 for VTI that do not appear in XRMI (9.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XRMI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.40% | 8.06% | 1.66% |
| AAPLApple, Inc | 6.29% | 7.44% | 1.15% |
| MSFTMicrosoft Corp | 4.79% | 5.62% | 0.83% |
| AMZNAmazon.Com Inc | 3.65% | 3.83% | 0.18% |
| GOOGLAlphabet Inc,class A | 2.90% | 3.03% | 0.13% |
| AVGOBroadcom Inc | 2.56% | 2.62% | 0.06% |
| GOOGAlphabet Inc. C | 2.31% | 2.42% | 0.11% |
| METAMeta Platforms Inc | 1.70% | 2.18% | 0.48% |
| MUMicron Technology, Inc. | 1.29% | 1.68% | 0.39% |
| TSLATesla Inc | 1.22% | 1.55% | 0.33% |
99.6% of XRMI is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or XRMI?
VTI has an expense ratio of 0.03% while XRMI charges 0.60%. VTI is the cheaper option, by $57 a year on a $10,000 investment.
Which performed better, VTI or XRMI?
Over the past year VTI returned +16.83% vs +10.53% for XRMI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XRMI?
VTI has been the more volatile fund at 15.9% annualized versus 6.6% for XRMI. Worst drawdown: VTI -25.4% vs XRMI -15.3%.
Should I hold both VTI and XRMI?
VTI and XRMI have a monthly-return correlation of 0.83, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between VTI and XRMI?
99.6% of XRMI's money is in holdings VTI also owns. 99.6% of XRMI's is in holdings VTI also owns. They hold 493 positions in common, counted across the 3,463 positions we hold weights for in VTI and 497 in XRMI.
Which pays a higher dividend, VTI or XRMI?
VTI yields 1.03% while XRMI yields 12.45%, so XRMI currently pays the higher dividend yield.
Is XRMI better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.