Xtrackers Net Zero Pathway Paris Aligned US Equity ETF (USNZ) is a ETF from Xtrackers ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USNZ returned +24.06% while VTI returned +24.16%. Year to date, USNZ is up 14.03% versus a gain of 14.20% for VTI.

Over three years, USNZ compounded at +20.71% per year against +21.12% for VTI. Across the full 4-year window we track, USNZ has the edge at +19.85% annualized vs +8.14%. Past performance does not guarantee future results.

USNZ has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 15.3% for VTI. 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 -19.2% for USNZ and -56.6% for VTI. 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 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.

USNZ charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, USNZ currently yields 0.97% against 1.07% for VTI.