VTI vs ZJUL
Vanguard Morningstar Total Stock Market ETF vs Innovator Equity Defined Protection ETF - 1 Yr July
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | ZJUL | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.79% | |
| AUM | $666.9B | $192M | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 5 | |
| YTD Return | +13.14% | +4.00% | |
| 1Y Return | +22.35% | +6.37% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 3.4% | |
| Max Drawdown | -56.6% | -5.5% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Jul 1, 2024 |
VTI vs ZJUL Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Innovator Equity Defined Protection ETF - 1 Yr July (ZJUL) is a ETF from Innovator ETFs Trust. Over the past year VTI returned +22.35% while ZJUL returned +6.37%. Year to date, VTI is up 13.14% versus a gain of 4.00% for ZJUL.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.4% for ZJUL. 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 -5.5% for ZJUL. 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while ZJUL 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 ZJUL.
Holdings Overlap
VTI and ZJUL share 0 holdings out of 2788 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 ZJUL?
VTI has an expense ratio of 0.03% while ZJUL 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 ZJUL?
Over the past year VTI returned +22.35% vs +6.37% for ZJUL, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +8.09% vs +7.32% for ZJUL. Past performance does not guarantee future results.
Which is riskier, VTI or ZJUL?
VTI has been the more volatile fund at 15.3% annualized versus 3.4% for ZJUL. Worst drawdown: VTI -56.6% vs ZJUL -5.5%.
Should I hold both VTI and ZJUL?
VTI and ZJUL have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and ZJUL?
VTI and ZJUL share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, VTI or ZJUL?
VTI yields 1.07% while ZJUL yields 0.00%, so VTI currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.