VTI vs XXV
Vanguard Morningstar Total Stock Market ETF vs Simplify Ancorato Target 25 Distribution ETF
Which is better, VTI or XXV?
Large Cap Blend against Option Writing.
VTI has a lower expense ratio. VTI led over 1Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | VTI | XXV |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.85% |
| AUM | $689.2B | $46M |
| Dividend Yield | 1.06% | 24.72% |
| Holdings | 3,542 | 117 |
| YTD Return | +12.23%Best | +3.10% |
| 1Y Return | +12.74%Best | +6.99% |
| 3Y Return (annualized) | +21.44% | - |
| 5Y Return (annualized) | +10.83% | - |
| Volatility (annualized) | 13.2%Best | 13.7% |
| Fund Family | Vanguard (US) | Simplify Exchange Traded Funds |
| Category | Equity | Alternative |
| Style | Large Cap Blend | Option Writing |
| Inception | May 24, 2001 | Nov 17, 2025 |
Not shown on this pair: Max Drawdown, $10,000 over the window, Top 10 Weight.
VTI vs XXV growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
VTI vs XXV Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Simplify Ancorato Target 25 Distribution ETF (XXV) is an ETF from Simplify Exchange Traded Funds. Over the past year VTI returned +12.74% while XXV returned +6.99%. Year to date, VTI is up 12.23% versus a gain of 3.10% for XXV.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XXV has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 13.2% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
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 XXV charges 0.85%. On a $10,000 position that is $3 vs $85 annually, a gap of $82 per year that compounds over a long holding period. On income, VTI currently yields 1.06% against 24.72% for XXV.
Holdings Overlap
We hold position weights for 3,464 holdings in VTI and 11 in XXV, totalling 97.2% and 52.7% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 3,464 positions we hold weights for in VTI and 11 in XXV, against full books of 3,542 and 117.
You are not choosing between two funds in isolation.
Whichever of VTI and XXV you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or XXV?
VTI has an expense ratio of 0.03% while XXV charges 0.85%. VTI is the cheaper option, by $82 a year on a $10,000 investment.
Which performed better, VTI or XXV?
Over the past year VTI returned +12.74% vs +6.99% for XXV, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XXV?
XXV has been the more volatile fund at 13.7% annualized versus 13.2% for VTI.
Should I hold both VTI and XXV?
VTI and XXV have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VTI or XXV?
VTI yields 1.06% while XXV yields 24.72%, so XXV currently pays the higher dividend yield.
Is XXV better than VTI?
VTI has a lower expense ratio. VTI led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.