VTI vs XSD
Vanguard Morningstar Total Stock Market ETF vs State Street SPDR S&P Semiconductor ETF
Which is better, VTI or XSD?
Large Cap Blend against Mid Cap Growth.
VTI has a lower expense ratio. XSD led over 1Y, 3Y, 5Y and the full window. XSD is less concentrated, with 30.3% of the fund in its ten largest positions against 33.3%.
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 | XSD |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.35% |
| AUM | $690.1B | $3.1B |
| Dividend Yield | 1.03% | 0.16% |
| Holdings | 3,524 | 49 |
| YTD Return | +12.51% | +60.03%Best |
| 1Y Return | +15.23% | +67.85%Best |
| 3Y Return (annualized) | +22.50% | +40.24%Best |
| 5Y Return (annualized) | +12.31% | +22.24%Best |
| Volatility (annualized) | 15.6%Best | 29.7% |
| Max Drawdown | -56.6%Best | -64.9% |
| $10,000 over 5 years | $17,869 | $27,294Best |
| Top 10 Weight | 33.3% | 30.3%Best |
| Fund Family | Vanguard (US) | State Street Investment Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Mid Cap Growth |
| Inception | May 24, 2001 | Jan 31, 2006 |
Volatility and max drawdown are measured over the window both funds cover: Feb 6, 2006 to Oct 1, 2026 (20.6 years).
VTI vs XSD 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 20.6 years both funds cover.
VTI vs XSD Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and State Street SPDR S&P Semiconductor ETF (XSD) is an ETF from State Street Investment Management. Over the past year VTI returned +15.23% while XSD returned +67.85%. Year to date, VTI is up 12.51% versus a gain of 60.03% for XSD.
Over three years, VTI compounded at +22.50% per year against +40.24% for XSD; over five years the annualized figures are +12.31% and +22.24% respectively. Across the full 21-year window we track, XSD has the edge at +15.72% annualized vs +9.43%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XSD has been the more volatile fund, with annualized monthly volatility of 29.7% compared with 15.6% 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 -64.9% for XSD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XSD charges 0.35%. On a $10,000 position that is $3 vs $35 annually, a gap of $32 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 0.16% for XSD.
Holdings Overlap
13.4% of VTI's money is in holdings XSD also owns. 97.8% of XSD's money is in holdings VTI also owns.
Most of XSD is already inside VTI. Owning both mostly buys the same companies twice.
46 positions in common, counted across the 3,463 positions we hold weights for in VTI and 48 in XSD, against full books of 3,524 and 49.
What only one of them owns
Our book lists 2 positions for XSD that do not appear in our book for VTI (2.2% of the fund), and 1,120 for VTI that do not appear in XSD (84.1%).
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 XSD | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.40% | 2.88% | 3.52% |
| AVGOBroadcom Inc | 2.56% | 2.57% | 0.01% |
| MUMicron Technology, Inc. | 1.29% | 2.89% | 1.60% |
| AMDAdvanced Micro Devices Inc | 1.08% | 3.01% | 1.93% |
| PIImpinj Inc | 0.01% | 3.81% | 3.80% |
| SWKSSkyworks Solutions Inc. | 0.01% | 3.32% | 3.31% |
| QRVOQorvo Inc_None_0 | 0.01% | 3.24% | 3.23% |
| INTCIntel Corporation | 0.50% | 2.54% | 2.04% |
| SMTCSemtech Corp | 0.02% | 2.86% | 2.84% |
| TXNTexas Instrument Inc | 0.35% | 2.52% | 2.17% |
97.8% of XSD 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 XSD?
VTI has an expense ratio of 0.03% while XSD charges 0.35%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, VTI or XSD?
Over the past year VTI returned +15.23% vs +67.85% for XSD, so XSD leads on 1-year performance. Over the longest common window we track (21 years), VTI annualized +9.43% vs +15.72% for XSD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XSD?
XSD has been the more volatile fund at 29.7% annualized versus 15.6% for VTI. Worst drawdown: VTI -56.6% vs XSD -64.9%.
Should I hold both VTI and XSD?
VTI and XSD have a monthly-return correlation of 0.77, 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 XSD?
97.8% of XSD's money is in holdings VTI also owns. 97.8% of XSD's is in holdings VTI also owns. They hold 46 positions in common, counted across the 3,463 positions we hold weights for in VTI and 48 in XSD.
Which pays a higher dividend, VTI or XSD?
VTI yields 1.03% while XSD yields 0.16%, so VTI currently pays the higher dividend yield.
Is XSD better than VTI?
VTI has a lower expense ratio. XSD led over 1Y, 3Y, 5Y and the full window. XSD is less concentrated, with 30.3% of the fund in its ten largest positions against 33.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.