VTI vs XVV

Quick Verdict

VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.

Lower Fees: VTIHigher Returns: VTIMore Diversified: VTI

Side-by-Side Comparison

MetricVTIXVVWinner
Expense Ratio0.03%0.08%
AUM$663.5B$640M
Dividend Yield1.07%0.94%
Holdings3,543448
YTD Return+13.57%+12.56%
1Y Return+24.23%+22.90%
3Y Return (annualized)+20.73%+21.20%
5Y Return (annualized)+12.24%+13.00%
Volatility (annualized)15.3%16.1%
Max Drawdown-56.6%-27.2%
Fund FamilyVanguard (US)iShares by BlackRock (US)
CategoryEquityEquity
InceptionMay 24, 2001Sep 22, 2020

VTI vs XVV Performance

Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and iShares ESG Select Screened S&P 500 ETF (XVV) is a ETF from iShares by BlackRock (US). Over the past year VTI returned +24.23% while XVV returned +22.90%. Year to date, VTI is up 13.57% versus a gain of 12.56% for XVV.

Over three years, VTI compounded at +20.73% per year against +21.20% for XVV; over five years the annualized figures are +12.24% and +13.00% respectively. Across the full 6-year window we track, XVV has the edge at +17.21% annualized vs +8.12%. Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

XVV has been the more volatile fund, with annualized monthly volatility of 16.1% 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 -27.2% for XVV. 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 0.99. 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 XVV charges 0.08%. On a $10,000 position that is $3 vs $8 annually, a gap of $5 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.94% for XVV.

Holdings Overlap

75.3%overlap

VTI and XVV share 401 holdings out of 2820 unique holdings combined, representing a 75.3% weight overlap.

High overlap means holding both may not provide much additional diversification.

Top Shared Holdings

StockWeight in VTIWeight in XVVDifference
NVDA6.32%8.19%1.87%
AAPL5.84%7.94%2.10%
MSFT3.81%4.97%1.16%
AMZNProProPro
GOOGLProProPro
AVGOProProPro
GOOGProProPro
METAProProPro
MUProProPro
TSLAProProPro
See all 10 holdings VTI shares with XVV
Exact weights in each fund and the difference, for every overlapping position.
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Frequently Asked Questions

Which is cheaper, VTI or XVV?

VTI has an expense ratio of 0.03% while XVV charges 0.08%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.

Which performed better, VTI or XVV?

Over the past year VTI returned +24.23% vs +22.90% for XVV, so VTI leads on 1-year performance. Over the longest common window we track (6 years), VTI annualized +8.12% vs +17.21% for XVV. Past performance does not guarantee future results.

Which is riskier, VTI or XVV?

XVV has been the more volatile fund at 16.1% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XVV -27.2%.

Should I hold both VTI and XVV?

VTI and XVV have a monthly-return correlation of 0.99, 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 XVV?

VTI and XVV share 401 common holdings with a 75.3% weight overlap. Combined, they hold 2820 unique securities.

Which pays a higher dividend, VTI or XVV?

VTI yields 1.07% while XVV yields 0.94%, so VTI currently pays the higher dividend yield.

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