VTI vs XOEF
VTI vs XOEF
Vanguard Total Stock Market ETF vs iShares S&P 500 ex S&P 100 ETF
Quick Verdict
VTI has a lower expense ratio. XOEF delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | XOEF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.20% | |
| AUM | $663.5B | $23M | |
| Dividend Yield | 1.07% | 1.03% | |
| Holdings | 3,543 | 408 | |
| YTD Return | +10.14% | +14.01% | |
| 1Y Return | +19.82% | +20.39% | |
| 3Y Return (annualized) | +18.94% | - | |
| 5Y Return (annualized) | +11.79% | - | |
| Volatility (annualized) | 15.4% | 11.8% | |
| Max Drawdown | -56.6% | -7.7% | |
| Fund Family | Vanguard (US) | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Jul 8, 2025 |
VTI vs XOEF Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and iShares S&P 500 ex S&P 100 ETF (XOEF) is a ETF from iShares by BlackRock (US). Over the past year VTI returned +19.82% while XOEF returned +20.39%. Year to date, VTI is up 10.14% versus a gain of 14.01% for XOEF.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 11.8% for XOEF. 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 -7.7% for XOEF. 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XOEF 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 1.03% for XOEF.
Holdings Overlap
VTI and XOEF share 363 holdings out of 2825 unique holdings combined, representing a 24.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in VTI | Weight in XOEF | Difference |
|---|---|---|---|
| KLAC | 0.54% | 1.68% | 1.14% |
| PANW | 0.38% | 1.60% | 1.22% |
| SNDK | 0.46% | 1.42% | 0.96% |
| MRVL | Pro | Pro | Pro |
| APH | Pro | Pro | Pro |
| WDC | Pro | Pro | Pro |
| CRWD | Pro | Pro | Pro |
| STX | Pro | Pro | Pro |
| ADI | Pro | Pro | Pro |
| ANET | Pro | Pro | Pro |
See all 10 holdings VTI shares with XOEF 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 XOEF?
VTI has an expense ratio of 0.03% while XOEF 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 XOEF?
Over the past year VTI returned +19.82% vs +20.39% for XOEF, so XOEF leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +7.99% vs +18.56% for XOEF. Past performance does not guarantee future results.
Which is riskier, VTI or XOEF?
VTI has been the more volatile fund at 15.4% annualized versus 11.8% for XOEF. Worst drawdown: VTI -56.6% vs XOEF -7.7%.
Should I hold both VTI and XOEF?
VTI and XOEF have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XOEF?
VTI and XOEF share 363 common holdings with a 24.0% weight overlap. Combined, they hold 2825 unique securities.
Which pays a higher dividend, VTI or XOEF?
VTI yields 1.07% while XOEF yields 1.03%, so VTI currently pays the higher dividend yield.
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