VTI vs XTAP
Vanguard Total Stock Market ETF vs Innovator US Equity Accelerated Plus ETF - April
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | XTAP | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.79% | |
| AUM | $663.5B | $23M | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 7 | |
| YTD Return | +14.16% | +13.68% | |
| 1Y Return | +23.62% | +19.05% | |
| 3Y Return (annualized) | +21.43% | +17.57% | |
| 5Y Return (annualized) | +12.33% | +10.88% | |
| Volatility (annualized) | 15.3% | 12.8% | |
| Max Drawdown | -56.6% | -22.1% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Mar 31, 2021 |
VTI vs XTAP Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Innovator US Equity Accelerated Plus ETF - April (XTAP) is a ETF from Innovator ETFs Trust. Over the past year VTI returned +23.62% while XTAP returned +19.05%. Year to date, VTI is up 14.16% versus a gain of 13.68% for XTAP.
Over three years, VTI compounded at +21.43% per year against +17.57% for XTAP; over five years the annualized figures are +12.33% and +10.88% respectively. Across the full 5-year window we track, XTAP has the edge at +11.60% annualized vs +8.14%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.8% for XTAP. 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 -22.1% for XTAP. 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XTAP charges 0.79%. On a $10,000 position that is $3 vs $79 annually, a gap of $76 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.00% for XTAP.
Holdings Overlap
VTI and XTAP share 0 holdings out of 2784 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XTAP?
VTI has an expense ratio of 0.03% while XTAP charges 0.79%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, VTI or XTAP?
Over the past year VTI returned +23.62% vs +19.05% for XTAP, so VTI leads on 1-year performance. Over the longest common window we track (5 years), VTI annualized +8.14% vs +11.60% for XTAP. Past performance does not guarantee future results.
Which is riskier, VTI or XTAP?
VTI has been the more volatile fund at 15.3% annualized versus 12.8% for XTAP. Worst drawdown: VTI -56.6% vs XTAP -22.1%.
Should I hold both VTI and XTAP?
VTI and XTAP have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XTAP?
VTI and XTAP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, VTI or XTAP?
VTI yields 1.07% while XTAP yields 0.00%, so VTI 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.