JFLI vs VTI
JPMorgan Flexible Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, JFLI or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 62.1%.
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 | JFLI | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $48M | $690.1B |
| Dividend Yield | 7.24% | 1.03% |
| Holdings | 587 | 3,524 |
| YTD Return | +8.97% | +14.35%Best |
| 1Y Return | +13.09% | +17.97%Best |
| 3Y Return (annualized) | - | +22.47% |
| 5Y Return (annualized) | - | +12.62% |
| Volatility (annualized) | 8.4%Best | 12.8% |
| Max Drawdown | -12.9%Best | -19.3% |
| $10,000 over 1.7 years | $12,092 | $12,970Best |
| Top 10 Weight | 62.1% | 33.3%Best |
| Fund Family | J.P. Morgan Asset Management | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Feb 12, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.7 years row, are measured over the window both funds cover: Feb 13, 2025 to Oct 13, 2026 (1.7 years).
JFLI 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 1.7 years both funds cover.
JFLI vs VTI Performance
JPMorgan Flexible Income ETF (JFLI) is an ETF from J.P. Morgan Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year JFLI returned +13.09% while VTI returned +17.97%. Year to date, JFLI is up 8.97% versus a gain of 14.35% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.8% compared with 8.4% for JFLI. 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 -12.9% for JFLI and -19.3% 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
JFLI charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, JFLI currently yields 7.24% against 1.03% for VTI.
Holdings Overlap
23.2% of JFLI's money is in holdings VTI also owns. 50.3% of VTI's money is in holdings JFLI also owns.
The two portfolios partly overlap.
The two holdings books were reported 46 days apart, JFLI as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
209 positions in common, counted across the 571 positions we hold weights for in JFLI and 3,463 in VTI, against full books of 587 and 3,524.
What only one of them owns
Our book lists 945 positions for VTI that do not appear in our book for JFLI (47.2% of the fund), and 22 for JFLI that do not appear in VTI (60.5%).
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.
Top Shared Holdings
| Stock | Weight in JFLI | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 0.40% | 6.40% | 6.00% |
| MSFTMicrosoft Corp | 0.76% | 4.79% | 4.03% |
| AMZNAmazon.Com Inc | 0.13% | 3.65% | 3.52% |
| GOOGLAlphabet Inc,class A | 0.19% | 2.90% | 2.71% |
| AVGOBroadcom Inc | 0.07% | 2.56% | 2.49% |
| LLYEli Lilly & Co. | 0.24% | 1.35% | 1.11% |
| TAT&T Inc | 1.36% | 0.22% | 1.14% |
| AMDAdvanced Micro Devices Inc | 0.31% | 1.08% | 0.77% |
| TSLATesla Inc | 0.12% | 1.22% | 1.10% |
| JNJJohnson & Johnson - Common | 0.26% | 0.86% | 0.60% |
50.3% of VTI is already inside JFLI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, JFLI or VTI?
JFLI has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, JFLI or VTI?
Over the past year JFLI returned +13.09% vs +17.97% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), JFLI annualized +11.82% vs +16.53% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, JFLI or VTI?
VTI has been the more volatile fund at 12.8% annualized versus 8.4% for JFLI. Worst drawdown: JFLI -12.9% vs VTI -19.3%.
Should I hold both JFLI and VTI?
JFLI and VTI have a monthly-return correlation of 0.91, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between JFLI and VTI?
50.3% of VTI's money is in holdings JFLI also owns. 50.3% of VTI's is in holdings JFLI also owns. They hold 209 positions in common, counted across the 571 positions we hold weights for in JFLI and 3,463 in VTI.
Which pays a higher dividend, JFLI or VTI?
JFLI yields 7.24% while VTI yields 1.03%, so JFLI currently pays the higher dividend yield.
Is VTI better than JFLI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.91. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 62.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.