VTI vs XT
Vanguard Total Stock Market ETF vs iShares Future Exponential Technologies ETF
Quick Verdict
VTI has a lower expense ratio. XT delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | XT | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.46% | |
| AUM | $663.5B | $3.8B | |
| Dividend Yield | 1.07% | 6.88% | |
| Holdings | 3,543 | 226 | |
| YTD Return | +14.20% | +18.51% | |
| 1Y Return | +24.16% | +36.28% | |
| 3Y Return (annualized) | +21.12% | +17.74% | |
| 5Y Return (annualized) | +12.37% | +7.10% | |
| Volatility (annualized) | 15.3% | 17.4% | |
| Max Drawdown | -56.6% | -34.4% | |
| Fund Family | Vanguard (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Mar 19, 2015 |
VTI vs XT Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and iShares Future Exponential Technologies ETF (XT) is a ETF from iShares by BlackRock (US). Over the past year VTI returned +24.16% while XT returned +36.28%. Year to date, VTI is up 14.20% versus a gain of 18.51% for XT.
Over three years, VTI compounded at +21.12% per year against +17.74% for XT; over five years the annualized figures are +12.37% and +7.10% respectively. Across the full 11-year window we track, XT has the edge at +11.86% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XT has been the more volatile fund, with annualized monthly volatility of 17.4% 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 -34.4% for XT. 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 0.93. 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 1.07% against 6.88% for XT.
Holdings Overlap
VTI and XT share 85 holdings out of 2894 unique holdings combined, representing a 30.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $43 per year of difference.
Which performed better, VTI or XT?
Over the past year VTI returned +24.16% vs +36.28% for XT, so XT leads on 1-year performance. Over the longest common window we track (11 years), VTI annualized +8.14% vs +11.86% for XT. Past performance does not guarantee future results.
Which is riskier, VTI or XT?
XT has been the more volatile fund at 17.4% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% 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. 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 XT?
VTI and XT share 85 common holdings with a 30.6% weight overlap. Combined, they hold 2894 unique securities.
Which pays a higher dividend, VTI or XT?
VTI yields 1.07% while XT yields 6.88%, so XT currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.