VTI vs XCLR
VTI vs XCLR
Vanguard Total Stock Market ETF vs Global X S&P 500 Collar 95-110 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 | VTI | XCLR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $663.5B | $4M | |
| Dividend Yield | 1.07% | 12.80% | |
| Holdings | 3,543 | 509 | |
| YTD Return | +14.20% | +5.19% | |
| 1Y Return | +24.16% | +11.53% | |
| 3Y Return (annualized) | +21.12% | +13.72% | |
| 5Y Return (annualized) | +12.37% | +7.91% | |
| Volatility (annualized) | 15.3% | 10.9% | |
| Max Drawdown | -56.6% | -14.6% | |
| Fund Family | Vanguard (US) | Global X by mirae Asset | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Aug 25, 2021 |
VTI vs XCLR Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Global X S&P 500 Collar 95-110 ETF (XCLR) is a ETF from Global X by mirae Asset. Over the past year VTI returned +24.16% while XCLR returned +11.53%. Year to date, VTI is up 14.20% versus a gain of 5.19% for XCLR.
Over three years, VTI compounded at +21.12% per year against +13.72% for XCLR; over five years the annualized figures are +12.37% and +7.91% respectively. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs +7.91%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 10.9% for XCLR. 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 -14.6% for XCLR. 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 0.93. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
VTI charges 0.03% per year while XCLR charges 0.25%. On a $10,000 position that is $3 vs $25 annually, a gap of $22 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 12.80% for XCLR.
Holdings Overlap
VTI and XCLR share 423 holdings out of 2820 unique holdings combined, representing a 42.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XCLR | Difference |
|---|---|---|---|
| AMAT | 0.79% | 7.29% | 6.50% |
| LRCX | 0.74% | 6.38% | 5.64% |
| NVDA | 6.32% | 0.01% | 6.31% |
| AAPL | Pro | Pro | Pro |
| WMT | Pro | Pro | Pro |
| CAT | Pro | Pro | Pro |
| MSFT | Pro | Pro | Pro |
| CSCO | Pro | Pro | Pro |
| ABBV | Pro | Pro | Pro |
| AMZN | Pro | Pro | Pro |
See all 10 holdings VTI shares with XCLR 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, VTI or XCLR?
VTI has an expense ratio of 0.03% while XCLR charges 0.25%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, VTI or XCLR?
Over the past year VTI returned +24.16% vs +11.53% for XCLR, so VTI leads on 1-year performance. Over the longest common window we track (5 years), VTI annualized +8.14% vs +7.91% for XCLR. Past performance does not guarantee future results.
Which is riskier, VTI or XCLR?
VTI has been the more volatile fund at 15.3% annualized versus 10.9% for XCLR. Worst drawdown: VTI -56.6% vs XCLR -14.6%.
Should I hold both VTI and XCLR?
VTI and XCLR have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between VTI and XCLR?
VTI and XCLR share 423 common holdings with a 42.6% weight overlap. Combined, they hold 2820 unique securities.
Which pays a higher dividend, VTI or XCLR?
VTI yields 1.07% while XCLR yields 12.80%, so XCLR currently pays the higher dividend yield.
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