VTI vs XYLD
Vanguard Morningstar Total Stock Market ETF vs Global X S&P 500 Covered Call ETF
Which is better, VTI or XYLD?
Large Cap Blend against Multi Alternative.
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, XYLD over 1Y. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.1%.
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 | XYLD |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.60% |
| AUM | $666.9B | $3.3B |
| Dividend Yield | 1.03% | 10.44% |
| Holdings | 3,543 | 507 |
| YTD Return | +11.53%Best | +9.28% |
| 1Y Return | +15.74% | +17.21%Best |
| 3Y Return (annualized) | +20.67%Best | +12.55% |
| 5Y Return (annualized) | +11.59%Best | +7.42% |
| Volatility (annualized) | 14.9% | 11.2%Best |
| Max Drawdown | -35.0% | -34.7%Best |
| $10,000 over 5 years | $17,303Best | $14,303 |
| Top 10 Weight | 33.3%Best | 38.1% |
| Fund Family | Vanguard (US) | Global X by mirae Asset |
| Category | Equity | Alternative |
| Style | Large Cap Blend | Multi Alternative |
| Inception | May 24, 2001 | Jun 21, 2013 |
Volatility and max drawdown are measured over the window both funds cover: Jun 24, 2013 to Sep 15, 2026 (13.2 years).
VTI vs XYLD 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 covers the 13.2 years both funds cover.
VTI vs XYLD Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Global X S&P 500 Covered Call ETF (XYLD) is an ETF from Global X by mirae Asset. Over the past year VTI returned +15.74% while XYLD returned +17.21%. Year to date, VTI is up 11.53% versus a gain of 9.28% for XYLD.
Over three years, VTI compounded at +20.67% per year against +12.55% for XYLD; over five years the annualized figures are +11.59% and +7.42% respectively. Across the full 13-year window we track, VTI has the edge at +12.89% annualized vs +4.95%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 11.2% for XYLD. 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 -35.0% for VTI and -34.7% for XYLD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XYLD charges 0.60%. On a $10,000 position that is $3 vs $60 annually, a gap of $57 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 10.44% for XYLD.
Holdings Overlap
87.8% of VTI's money is in holdings XYLD also owns. 99.6% of XYLD's money is in holdings VTI also owns.
Most of XYLD is already inside VTI. Owning both mostly buys the same companies twice.
485 positions in common, counted across the 3,463 positions we hold weights for in VTI and 490 in XYLD, against full books of 3,543 and 507.
What only one of them owns
Our book lists 5 positions for XYLD that do not appear in our book for VTI (0.4% of the fund), and 670 for VTI that do not appear in XYLD (9.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XYLD | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.40% | 8.08% | 1.68% |
| AAPLApple, Inc | 6.29% | 7.32% | 1.03% |
| MSFTMicrosoft Corp | 4.79% | 5.71% | 0.92% |
| AMZNAmazon.Com Inc | 3.65% | 3.83% | 0.18% |
| GOOGLAlphabet Inc,class A | 2.90% | 3.01% | 0.11% |
| AVGOBroadcom Inc | 2.56% | 2.68% | 0.12% |
| GOOGAlphabet Inc | 2.31% | 2.41% | 0.10% |
| METAMeta Platforms Inc | 1.70% | 1.95% | 0.25% |
| MUMicron Technology, Inc. | 1.29% | 1.61% | 0.32% |
| JPMJpmorgan Chase | 1.31% | 1.46% | 0.15% |
99.6% of XYLD is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or XYLD?
VTI has an expense ratio of 0.03% while XYLD charges 0.60%. VTI is the cheaper option, by $57 a year on a $10,000 investment.
Which performed better, VTI or XYLD?
Over the past year VTI returned +15.74% vs +17.21% for XYLD, so XYLD leads on 1-year performance. Over the longest common window we track (13 years), VTI annualized +12.89% vs +4.95% for XYLD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XYLD?
VTI has been the more volatile fund at 14.9% annualized versus 11.2% for XYLD. Worst drawdown: VTI -35.0% vs XYLD -34.7%.
Should I hold both VTI and XYLD?
VTI and XYLD have a monthly-return correlation of 0.88, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between VTI and XYLD?
99.6% of XYLD's money is in holdings VTI also owns. 99.6% of XYLD's is in holdings VTI also owns. They hold 485 positions in common, counted across the 3,463 positions we hold weights for in VTI and 490 in XYLD.
Which pays a higher dividend, VTI or XYLD?
VTI yields 1.03% while XYLD yields 10.44%, so XYLD currently pays the higher dividend yield.
Is XYLD better than VTI?
VTI has a lower expense ratio. VTI led over 3Y, 5Y and the full window, XYLD over 1Y. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 38.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.