VTI vs XTJL
Vanguard Total Stock Market ETF vs Innovator US Equity Accelerated Plus ETF - July
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 | XTJL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.79% | |
| AUM | $663.5B | $13M | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 5 | |
| YTD Return | +14.20% | +8.67% | |
| 1Y Return | +24.16% | +15.42% | |
| 3Y Return (annualized) | +21.12% | +15.28% | |
| 5Y Return (annualized) | +12.37% | +9.93% | |
| Volatility (annualized) | 15.3% | 12.4% | |
| Max Drawdown | -56.6% | -23.2% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Jun 30, 2021 |
VTI vs XTJL Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Innovator US Equity Accelerated Plus ETF - July (XTJL) is a ETF from Innovator ETFs Trust. Over the past year VTI returned +24.16% while XTJL returned +15.42%. Year to date, VTI is up 14.20% versus a gain of 8.67% for XTJL.
Over three years, VTI compounded at +21.12% per year against +15.28% for XTJL; over five years the annualized figures are +12.37% and +9.93% respectively. Across the full 5-year window we track, XTJL has the edge at +10.09% 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 12.4% for XTJL. 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 -23.2% for XTJL. 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 0.92. 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 XTJL 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 XTJL.
Frequently Asked Questions
Which is cheaper, VTI or XTJL?
VTI has an expense ratio of 0.03% while XTJL 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 XTJL?
Over the past year VTI returned +24.16% vs +15.42% for XTJL, so VTI leads on 1-year performance. Over the longest common window we track (5 years), VTI annualized +8.14% vs +10.09% for XTJL. Past performance does not guarantee future results.
Which is riskier, VTI or XTJL?
VTI has been the more volatile fund at 15.3% annualized versus 12.4% for XTJL. Worst drawdown: VTI -56.6% vs XTJL -23.2%.
Should I hold both VTI and XTJL?
VTI and XTJL have a monthly-return correlation of 0.92, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
Which pays a higher dividend, VTI or XTJL?
VTI yields 1.07% while XTJL yields 0.00%, so VTI currently pays the higher dividend yield.
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