VTI vs XFIX
VTI vs XFIX
Vanguard Total Stock Market ETF vs F/m Opportunistic Income 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 | XFIX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.40% | |
| AUM | $663.5B | $38M | |
| Dividend Yield | 1.07% | 5.43% | |
| Holdings | 3,543 | 58 | |
| YTD Return | +13.57% | +5.57% | |
| 1Y Return | +24.23% | +5.57% | |
| 3Y Return (annualized) | +20.73% | - | |
| 5Y Return (annualized) | +12.24% | - | |
| Volatility (annualized) | 15.3% | 5.7% | |
| Max Drawdown | -56.6% | -3.7% | |
| Fund Family | Vanguard (US) | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Sep 6, 2023 |
VTI vs XFIX Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and F/m Opportunistic Income ETF (XFIX) is a ETF from F-m investments. Over the past year VTI returned +24.23% while XFIX returned +5.57%. Year to date, VTI is up 13.57% versus a gain of 5.57% for XFIX.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 5.7% for XFIX. 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 -3.7% for XFIX. 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XFIX charges 0.40%. On a $10,000 position that is $3 vs $40 annually, a gap of $37 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 5.43% for XFIX.
Holdings Overlap
VTI and XFIX share 0 holdings out of 2807 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 XFIX?
VTI has an expense ratio of 0.03% while XFIX charges 0.40%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, VTI or XFIX?
Over the past year VTI returned +24.23% vs +5.57% for XFIX, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +8.12% vs +7.77% for XFIX. Past performance does not guarantee future results.
Which is riskier, VTI or XFIX?
VTI has been the more volatile fund at 15.3% annualized versus 5.7% for XFIX. Worst drawdown: VTI -56.6% vs XFIX -3.7%.
Should I hold both VTI and XFIX?
VTI and XFIX have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XFIX?
VTI and XFIX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2807 unique securities.
Which pays a higher dividend, VTI or XFIX?
VTI yields 1.07% while XFIX yields 5.43%, so XFIX currently pays the higher dividend yield.
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