VTI vs XLG
VTI vs XLG
Vanguard Total Stock Market ETF vs Invesco S&P 500 Top 50 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 | XLG | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.20% | |
| AUM | $663.5B | $10.4B | |
| Dividend Yield | 1.07% | 0.65% | |
| Holdings | 3,543 | 53 | |
| YTD Return | +13.92% | +7.19% | |
| 1Y Return | +24.07% | +18.40% | |
| 3Y Return (annualized) | +20.88% | +22.08% | |
| 5Y Return (annualized) | +12.47% | +14.44% | |
| Volatility (annualized) | 15.3% | 15.0% | |
| Max Drawdown | -56.6% | -53.8% | |
| Fund Family | Vanguard (US) | Invesco (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | May 4, 2005 |
VTI vs XLG Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Invesco S&P 500 Top 50 ETF (XLG) is a ETF from Invesco (US). Over the past year VTI returned +24.07% while XLG returned +18.40%. Year to date, VTI is up 13.92% versus a gain of 7.19% for XLG.
Over three years, VTI compounded at +20.88% per year against +22.08% for XLG; over five years the annualized figures are +12.47% and +14.44% respectively. Across the full 21-year window we track, XLG has the edge at +9.83% annualized vs +8.13%. 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 15.0% for XLG. 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 -53.8% for XLG. 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 0.95. 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 XLG charges 0.20%. On a $10,000 position that is $3 vs $20 annually, a gap of $17 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.65% for XLG.
Holdings Overlap
VTI and XLG share 48 holdings out of 2787 unique holdings combined, representing a 52.1% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XLG | Difference |
|---|---|---|---|
| NVDA | 6.32% | 11.76% | 5.44% |
| AAPL | 5.84% | 10.30% | 4.46% |
| MSFT | 3.81% | 6.82% | 3.01% |
| AMZN | Pro | Pro | Pro |
| GOOGL | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
See all 10 holdings VTI shares with XLG 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 XLG?
VTI has an expense ratio of 0.03% while XLG charges 0.20%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, VTI or XLG?
Over the past year VTI returned +24.07% vs +18.40% for XLG, so VTI leads on 1-year performance. Over the longest common window we track (21 years), VTI annualized +8.13% vs +9.83% for XLG. Past performance does not guarantee future results.
Which is riskier, VTI or XLG?
VTI has been the more volatile fund at 15.3% annualized versus 15.0% for XLG. Worst drawdown: VTI -56.6% vs XLG -53.8%.
Should I hold both VTI and XLG?
VTI and XLG have a monthly-return correlation of 0.95, 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 XLG?
VTI and XLG share 48 common holdings with a 52.1% weight overlap. Combined, they hold 2787 unique securities.
Which pays a higher dividend, VTI or XLG?
VTI yields 1.07% while XLG yields 0.65%, so VTI currently pays the higher dividend yield.
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