VTI vs XV
Vanguard Total Stock Market ETF vs Simplify Target 15 Distribution ETF
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 | XV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.75% | |
| AUM | $663.5B | $73M | |
| Dividend Yield | 1.07% | 19.16% | |
| Holdings | 3,543 | 26 | |
| YTD Return | +14.96% | +7.68% | |
| 1Y Return | +22.39% | +11.74% | |
| 3Y Return (annualized) | +21.51% | - | |
| 5Y Return (annualized) | +12.36% | - | |
| Volatility (annualized) | 15.4% | 7.8% | |
| Max Drawdown | -56.6% | -5.7% | |
| Fund Family | Vanguard (US) | Simplify Exchange Traded Funds | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Apr 14, 2025 |
VTI vs XV Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Simplify Target 15 Distribution ETF (XV) is a ETF from Simplify Exchange Traded Funds. Over the past year VTI returned +22.39% while XV returned +11.74%. Year to date, VTI is up 14.96% versus a gain of 7.68% for XV.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 7.8% for XV. 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 -5.7% for XV. 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XV charges 0.75%. On a $10,000 position that is $3 vs $75 annually, a gap of $72 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 19.16% for XV.
Holdings Overlap
VTI and XV 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 XV?
VTI has an expense ratio of 0.03% while XV charges 0.75%. VTI is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, VTI or XV?
Over the past year VTI returned +22.39% vs +11.74% for XV, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.16% vs +18.23% for XV. Past performance does not guarantee future results.
Which is riskier, VTI or XV?
VTI has been the more volatile fund at 15.4% annualized versus 7.8% for XV. Worst drawdown: VTI -56.6% vs XV -5.7%.
Should I hold both VTI and XV?
VTI and XV have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XV?
VTI and XV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, VTI or XV?
VTI yields 1.07% while XV yields 19.16%, so XV currently pays the higher dividend yield.
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