VTI vs XUDV
Vanguard Morningstar Total Stock Market ETF vs Franklin US Dividend Booster Index ETF
Quick Verdict
VTI has a lower expense ratio. XUDV delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | XUDV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.09% | |
| AUM | $666.9B | $81M | |
| Dividend Yield | 1.07% | 3.36% | |
| Holdings | 3,543 | 96 | |
| YTD Return | +13.14% | +28.26% | |
| 1Y Return | +22.35% | +33.50% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 10.6% | |
| Max Drawdown | -56.6% | -16.0% | |
| Fund Family | Vanguard (US) | Franklin Templeton Investments (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Jan 21, 2025 |
VTI vs XUDV Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Franklin US Dividend Booster Index ETF (XUDV) is a ETF from Franklin Templeton Investments (US). Over the past year VTI returned +22.35% while XUDV returned +33.50%. Year to date, VTI is up 13.14% versus a gain of 28.26% for XUDV.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.6% for XUDV. 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 -16.0% for XUDV. 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XUDV charges 0.09%. On a $10,000 position that is $3 vs $9 annually, a gap of $6 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 3.36% for XUDV.
Holdings Overlap
VTI and XUDV share 89 holdings out of 2790 unique holdings combined, representing a 8.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VTI or XUDV?
VTI has an expense ratio of 0.03% while XUDV charges 0.09%. VTI is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, VTI or XUDV?
Over the past year VTI returned +22.35% vs +33.50% for XUDV, so XUDV leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +8.09% vs +24.02% for XUDV. Past performance does not guarantee future results.
Which is riskier, VTI or XUDV?
VTI has been the more volatile fund at 15.3% annualized versus 10.6% for XUDV. Worst drawdown: VTI -56.6% vs XUDV -16.0%.
Should I hold both VTI and XUDV?
VTI and XUDV have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XUDV?
VTI and XUDV share 89 common holdings with a 8.2% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, VTI or XUDV?
VTI yields 1.07% while XUDV yields 3.36%, so XUDV currently pays the higher dividend yield.
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