IFLO vs VTI
VictoryShares International Free Cash Flow ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IFLO or VTI?
Large Cap Value against Large Cap Blend.
VTI has a lower expense ratio. IFLO led over 1Y and the full window. IFLO is less concentrated, with 22.0% of the fund in its ten largest positions against 33.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IFLO | VTI |
|---|---|---|
| Expense Ratio | 0.56% | 0.03%Best |
| AUM | $285M | $689.2B |
| Dividend Yield | 1.46% | 1.06% |
| Holdings | 206 | 3,524 |
| YTD Return | +24.28%Best | +13.02% |
| 1Y Return | +32.08%Best | +16.63% |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 12.3% | 11.4%Best |
| Max Drawdown | -7.0%Best | -8.9% |
| $10,000 over 1.3 years | $14,114Best | $12,697 |
| Top 10 Weight | 22.0%Best | 33.5% |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Jun 25, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: Jun 26, 2025 to Oct 14, 2026 (1.3 years).
IFLO vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.3 years both funds cover.
IFLO vs VTI Performance
VictoryShares International Free Cash Flow ETF (IFLO) is an ETF from Victory Capital Management Inc. and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year IFLO returned +32.08% while VTI returned +16.63%. Year to date, IFLO is up 24.28% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IFLO has been the more volatile fund, with annualized monthly volatility of 12.3% compared with 11.4% 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 -7.0% for IFLO and -8.9% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.40. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IFLO charges 0.56% per year while VTI charges 0.03%. On a $10,000 position that is $56 vs $3 annually, a gap of $53 per year that compounds over a long holding period. On income, IFLO currently yields 1.46% against 1.06% for VTI.
Holdings Overlap
We hold position weights for 100 holdings in IFLO and 3,441 in VTI, totalling 99.5% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in IFLO and 3,441 in VTI, against full books of 206 and 3,524.
What only one of them owns
Our book lists 1,156 positions for VTI that do not appear in our book for IFLO (97.6% of the fund), and 2 for IFLO that do not appear in VTI (1.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of IFLO and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IFLO or VTI?
IFLO has an expense ratio of 0.56% while VTI charges 0.03%. VTI is the cheaper option, by $53 a year on a $10,000 investment.
Which performed better, IFLO or VTI?
Over the past year IFLO returned +32.08% vs +16.63% for VTI, so IFLO leads on 1-year performance. Over the longest common window we track (1 years), IFLO annualized +30.35% vs +20.16% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IFLO or VTI?
IFLO has been the more volatile fund at 12.3% annualized versus 11.4% for VTI. Worst drawdown: IFLO -7.0% vs VTI -8.9%.
Should I hold both IFLO and VTI?
IFLO and VTI have a monthly-return correlation of 0.40, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IFLO or VTI?
IFLO yields 1.46% while VTI yields 1.06%, so IFLO currently pays the higher dividend yield.
Is VTI better than IFLO?
VTI has a lower expense ratio. IFLO led over 1Y and the full window. IFLO is less concentrated, with 22.0% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.