USRT vs VTI
USRT vs VTI
iShares Core US REIT ETF vs Vanguard Total Stock Market 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 | USRT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $4.7B | $663.5B | |
| Dividend Yield | 2.56% | 1.07% | |
| Holdings | 130 | 3,543 | |
| YTD Return | +19.92% | +13.57% | |
| 1Y Return | +22.92% | +24.23% | |
| 3Y Return (annualized) | +12.40% | +20.73% | |
| 5Y Return (annualized) | +5.06% | +12.24% | |
| Volatility (annualized) | 21.6% | 15.3% | |
| Max Drawdown | -72.9% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 1, 2007 | May 24, 2001 |
USRT vs VTI Performance
iShares Core US REIT ETF (USRT) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year USRT returned +22.92% while VTI returned +24.23%. Year to date, USRT is up 19.92% versus a gain of 13.57% for VTI.
Over three years, USRT compounded at +12.40% per year against +20.73% for VTI; over five years the annualized figures are +5.06% and +12.24% respectively. Across the full 19-year window we track, VTI has the edge at +8.12% annualized vs +2.48%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USRT has been the more volatile fund, with annualized monthly volatility of 21.6% 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 -72.9% for USRT 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
USRT charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, USRT currently yields 2.56% against 1.07% for VTI.
Holdings Overlap
USRT and VTI share 93 holdings out of 2817 unique holdings combined, representing a 1.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in USRT | Weight in VTI | Difference |
|---|---|---|---|
| WELL | 9.03% | 0.22% | 8.81% |
| PLD | 7.31% | 0.17% | 7.14% |
| EQIX | 5.93% | 0.14% | 5.79% |
| SPG | Pro | Pro | Pro |
| DLR | Pro | Pro | Pro |
| O | Pro | Pro | Pro |
| PSA | Pro | Pro | Pro |
| VTR | Pro | Pro | Pro |
| IRM | Pro | Pro | Pro |
| EXR | Pro | Pro | Pro |
See all 10 holdings USRT shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, USRT or VTI?
USRT has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, USRT or VTI?
Over the past year USRT returned +22.92% vs +24.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (19 years), USRT annualized +2.48% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, USRT or VTI?
USRT has been the more volatile fund at 21.6% annualized versus 15.3% for VTI. Worst drawdown: USRT -72.9% vs VTI -56.6%.
Should I hold both USRT and VTI?
USRT and VTI have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between USRT and VTI?
USRT and VTI share 93 common holdings with a 1.4% weight overlap. Combined, they hold 2817 unique securities.
Which pays a higher dividend, USRT or VTI?
USRT yields 2.56% while VTI yields 1.07%, so USRT currently pays the higher dividend yield.
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