VTI vs XRPT
Vanguard Morningstar Total Stock Market ETF vs Volatility 2x XRP 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 | XRPT | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 3.13% | |
| AUM | $666.9B | $45M | |
| Dividend Yield | 1.07% | 7.09% | |
| Holdings | 3,543 | 3 | |
| YTD Return | +13.14% | -69.14% | |
| 1Y Return | +22.35% | -89.61% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 109.3% | |
| Max Drawdown | -56.6% | -96.7% | |
| Fund Family | Vanguard (US) | Volatility Shares, LLC | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | May 22, 2025 |
VTI vs XRPT Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Volatility 2x XRP ETF (XRPT) is a ETF from Volatility Shares, LLC. Over the past year VTI returned +22.35% while XRPT returned -89.61%. Year to date, VTI is up 13.14% versus a loss of 69.14% for XRPT.
Risk: Volatility and Drawdowns
XRPT has been the more volatile fund, with annualized monthly volatility of 109.3% 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 -96.7% for XRPT. 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 0.28. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while XRPT charges 3.13%. On a $10,000 position that is $3 vs $313 annually, a gap of $310 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 7.09% for XRPT.
Frequently Asked Questions
Which is cheaper, VTI or XRPT?
VTI has an expense ratio of 0.03% while XRPT charges 3.13%. VTI is the cheaper option. On a $10,000 investment, that is $310 per year of difference.
Which performed better, VTI or XRPT?
Over the past year VTI returned +22.35% vs -89.61% for XRPT, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.09% vs -82.22% for XRPT. Past performance does not guarantee future results.
Which is riskier, VTI or XRPT?
XRPT has been the more volatile fund at 109.3% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XRPT -96.7%.
Should I hold both VTI and XRPT?
VTI and XRPT have a monthly-return correlation of 0.28, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, VTI or XRPT?
VTI yields 1.07% while XRPT yields 7.09%, so XRPT currently pays the higher dividend yield.
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