VTI vs XT
Vanguard Morningstar Total Stock Market ETF vs iShares Future Exponential Technologies ETF
Which is better, VTI or XT?
Large Cap Blend against Large Cap Growth.
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, XT over 1Y. The two have moved almost in lockstep, correlation 0.93. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 33.8%.
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 | XT |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.46% |
| AUM | $666.9B | $3.9B |
| Dividend Yield | 1.03% | 6.87% |
| Holdings | 3,543 | 226 |
| YTD Return | +12.30% | +17.67%Best |
| 1Y Return | +16.08% | +24.34%Best |
| 3Y Return (annualized) | +21.01%Best | +18.73% |
| 5Y Return (annualized) | +12.36%Best | +7.29% |
| Volatility (annualized) | 15.4%Best | 17.3% |
| Max Drawdown | -35.0% | -34.4%Best |
| $10,000 over 5 years | $17,908Best | $14,217 |
| Top 10 Weight | 33.3%Best | 33.8% |
| Fund Family | Vanguard (US) | iShares by BlackRock (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Growth |
| Inception | May 24, 2001 | Mar 19, 2015 |
Volatility and max drawdown are measured over the window both funds cover: Mar 24, 2015 to Sep 18, 2026 (11.5 years).
VTI vs XT 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 11.5 years both funds cover.
VTI vs XT Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and iShares Future Exponential Technologies ETF (XT) is an ETF from iShares by BlackRock (US). Over the past year VTI returned +16.08% while XT returned +24.34%. Year to date, VTI is up 12.30% versus a gain of 17.67% for XT.
Over three years, VTI compounded at +21.01% per year against +18.73% for XT; over five years the annualized figures are +12.36% and +7.29% respectively. Across the full 12-year window we track, VTI has the edge at +12.11% annualized vs +11.67%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XT has been the more volatile fund, with annualized monthly volatility of 17.3% compared with 15.4% 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 -35.0% for VTI and -34.4% for XT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.93. 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 XT charges 0.46%. On a $10,000 position that is $3 vs $46 annually, a gap of $43 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 6.87% for XT.
Holdings Overlap
37.9% of VTI's money is in holdings XT also owns. 71.7% of XT's money is in holdings VTI also owns.
Most of XT is already inside VTI. Owning both mostly buys the same companies twice.
94 positions in common, counted across the 3,463 positions we hold weights for in VTI and 194 in XT, against full books of 3,543 and 226.
What only one of them owns
Our book lists 3 positions for XT that do not appear in our book for VTI (1.9% of the fund), and 1,056 for VTI that do not appear in XT (59.6%).
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 XT | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.40% | 4.12% | 2.28% |
| MSFTMicrosoft Corp | 4.79% | 4.23% | 0.56% |
| AMZNAmazon.Com Inc | 3.65% | 2.89% | 0.76% |
| LLYEli Lilly & Co. | 1.35% | 3.92% | 2.57% |
| GOOGLAlphabet Inc,class A | 2.90% | 2.12% | 0.78% |
| TSLATesla Inc | 1.22% | 3.50% | 2.28% |
| AVGOBroadcom Inc | 2.56% | 1.99% | 0.57% |
| JNJJohnson & Johnson - Common | 0.86% | 3.38% | 2.52% |
| TXNTexas Instrument Inc | 0.35% | 3.49% | 3.14% |
| PANWPalo Alto Networks, Inc | 0.38% | 3.02% | 2.64% |
71.7% of XT 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 XT?
VTI has an expense ratio of 0.03% while XT charges 0.46%. VTI is the cheaper option, by $43 a year on a $10,000 investment.
Which performed better, VTI or XT?
Over the past year VTI returned +16.08% vs +24.34% for XT, so XT leads on 1-year performance. Over the longest common window we track (12 years), VTI annualized +12.11% vs +11.67% for XT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XT?
XT has been the more volatile fund at 17.3% annualized versus 15.4% for VTI. Worst drawdown: VTI -35.0% vs XT -34.4%.
Should I hold both VTI and XT?
VTI and XT have a monthly-return correlation of 0.93, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between VTI and XT?
71.7% of XT's money is in holdings VTI also owns. 71.7% of XT's is in holdings VTI also owns. They hold 94 positions in common, counted across the 3,463 positions we hold weights for in VTI and 194 in XT.
Which pays a higher dividend, VTI or XT?
VTI yields 1.03% while XT yields 6.87%, so XT currently pays the higher dividend yield.
Is XT better than VTI?
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, XT over 1Y. The two have moved almost in lockstep, correlation 0.93. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 33.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.