VTI vs XMPT
Vanguard Morningstar Total Stock Market ETF vs VanEck CEF Municipal Income ETF
Which is better, VTI or XMPT?
Large Cap Blend against Municipal Bond.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 59.5%.
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 | VTI | XMPT |
|---|---|---|
| Expense Ratio | 0.03%Best | 3.40% |
| AUM | $689.2B | $204M |
| Dividend Yield | 1.06% | 6.45% |
| Holdings | 3,524 | 76 |
| YTD Return | +13.02%Best | -12.71% |
| 1Y Return | +16.63%Best | -12.10% |
| 3Y Return (annualized) | +21.97%Best | +4.61% |
| 5Y Return (annualized) | +11.99%Best | -4.42% |
| Volatility (annualized) | 14.7%Best | 42.1% |
| Max Drawdown | -35.0%Best | -56.3% |
| $10,000 over 5 years | $17,616Best | $7,977 |
| Top 10 Weight | 33.5%Best | 59.5% |
| Fund Family | Vanguard (US) | VanEck |
| Category | Equity | Tax Preferred |
| Style | Large Cap Blend | Municipal Bond |
| Inception | May 24, 2001 | Jul 12, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Jul 13, 2011 to Oct 14, 2026 (15.3 years).
VTI vs XMPT 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 15.3 years both funds cover.
VTI vs XMPT Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and VanEck CEF Municipal Income ETF (XMPT) is an ETF from VanEck. Over the past year VTI returned +16.63% while XMPT returned -12.10%. Year to date, VTI is up 13.02% versus a loss of 12.71% for XMPT.
Over three years, VTI compounded at +21.97% per year against +4.61% for XMPT; over five years the annualized figures are +11.99% and -4.42% respectively. Across the full 15-year window we track, VTI has the edge at +12.41% annualized vs +2.94%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XMPT has been the more volatile fund, with annualized monthly volatility of 42.1% compared with 14.7% 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 -35.0% for VTI and -56.3% for XMPT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.05. They move largely independently of each other.
Fees and Cost Over Time
VTI charges 0.03% per year while XMPT charges 3.40%. On a $10,000 position that is $3 vs $340 annually, a gap of $337 per year that compounds over a long holding period. On income, VTI currently yields 1.06% against 6.45% for XMPT.
Holdings Overlap
7.4% of XMPT's money is in holdings VTI also owns.
XMPT and VTI share little of their money.
1 positions in common, counted across the 3,441 positions we hold weights for in VTI and 37 in XMPT, against full books of 3,524 and 76.
What only one of them owns
Our book lists 36 positions for XMPT that do not appear in our book for VTI (92.6% of the fund), and 1,156 for VTI that do not appear in XMPT (97.6%).
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 VTI | Weight in XMPT | Difference |
|---|---|---|---|
| MHDBlackrock Muniholdings Fund | 0.00% | 7.43% | 7.43% |
You are not choosing between two funds in isolation.
Whichever of VTI and XMPT 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, VTI or XMPT?
VTI has an expense ratio of 0.03% while XMPT charges 3.40%. VTI is the cheaper option, by $337 a year on a $10,000 investment.
Which performed better, VTI or XMPT?
Over the past year VTI returned +16.63% vs -12.10% for XMPT, so VTI leads on 1-year performance. Over the longest common window we track (15 years), VTI annualized +12.41% vs +2.94% for XMPT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XMPT?
XMPT has been the more volatile fund at 42.1% annualized versus 14.7% for VTI. Worst drawdown: VTI -35.0% vs XMPT -56.3%.
Should I hold both VTI and XMPT?
VTI and XMPT have a monthly-return correlation of 0.05, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between VTI and XMPT?
7.4% of XMPT's money is in holdings VTI also owns. 7.4% of XMPT's is in holdings VTI also owns. They hold 1 positions in common, counted across the 3,441 positions we hold weights for in VTI and 37 in XMPT.
Which pays a higher dividend, VTI or XMPT?
VTI yields 1.06% while XMPT yields 6.45%, so XMPT currently pays the higher dividend yield.
Is XMPT better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 59.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.