VTI vs XNAV
VTI vs XNAV
Vanguard Total Stock Market ETF vs FundX Aggressive ETF
Quick Verdict
VTI has a lower expense ratio. XNAV delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | XNAV | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.27% | |
| AUM | $663.5B | $30M | |
| Dividend Yield | 1.07% | 0.48% | |
| Holdings | 3,543 | 23 | |
| YTD Return | +11.83% | +9.32% | |
| 1Y Return | +21.79% | +24.48% | |
| 3Y Return (annualized) | +20.40% | +18.89% | |
| 5Y Return (annualized) | +11.96% | - | |
| Volatility (annualized) | 15.3% | 16.6% | |
| Max Drawdown | -56.6% | -24.3% | |
| Fund Family | Vanguard (US) | FundX Funds | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Oct 14, 2022 |
VTI vs XNAV Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and FundX Aggressive ETF (XNAV) is a ETF from FundX Funds. Over the past year VTI returned +21.79% while XNAV returned +24.48%. Year to date, VTI is up 11.83% versus a gain of 9.32% for XNAV.
Over three years, VTI compounded at +20.40% per year against +18.89% for XNAV. Across the full 4-year window we track, XNAV has the edge at +19.46% annualized vs +8.06%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNAV has been the more volatile fund, with annualized monthly volatility of 16.6% 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 -56.6% for VTI and -24.3% for XNAV. 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XNAV charges 1.27%. On a $10,000 position that is $3 vs $127 annually, a gap of $124 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.48% for XNAV.
Holdings Overlap
VTI and XNAV share 0 holdings out of 2805 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 XNAV?
VTI has an expense ratio of 0.03% while XNAV charges 1.27%. VTI is the cheaper option. On a $10,000 investment, that is $124 per year of difference.
Which performed better, VTI or XNAV?
Over the past year VTI returned +21.79% vs +24.48% for XNAV, so XNAV leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +8.06% vs +19.46% for XNAV. Past performance does not guarantee future results.
Which is riskier, VTI or XNAV?
XNAV has been the more volatile fund at 16.6% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XNAV -24.3%.
Should I hold both VTI and XNAV?
VTI and XNAV have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XNAV?
VTI and XNAV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2805 unique securities.
Which pays a higher dividend, VTI or XNAV?
VTI yields 1.07% while XNAV yields 0.48%, so VTI currently pays the higher dividend yield.
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