VTI vs XSHD
Vanguard Morningstar Total Stock Market ETF vs Invesco S&P SmallCap High Dividend Low Volatility ETF
Which is better, VTI or XSHD?
Large Cap Blend against Small Cap Value.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. XSHD is less concentrated, with 31.4% 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 | VTI | XSHD |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.30% |
| AUM | $689.2B | $64M |
| Dividend Yield | 1.06% | 4.83% |
| Holdings | 3,524 | 124 |
| YTD Return | +13.02%Best | -1.51% |
| 1Y Return | +16.63%Best | -2.23% |
| 3Y Return (annualized) | +21.97%Best | +0.13% |
| 5Y Return (annualized) | +11.99%Best | -6.02% |
| Volatility (annualized) | 15.9%Best | 21.6% |
| Max Drawdown | -35.0%Best | -49.5% |
| $10,000 over 5 years | $17,616Best | $7,331 |
| Top 10 Weight | 33.5% | 31.4%Best |
| Fund Family | Vanguard (US) | Invesco (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Small Cap Value |
| Inception | May 24, 2001 | Dec 1, 2016 |
Volatility and max drawdown are measured over the window both funds cover: Dec 1, 2016 to Oct 14, 2026 (9.9 years).
VTI vs XSHD 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 9.9 years both funds cover.
VTI vs XSHD Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Invesco S&P SmallCap High Dividend Low Volatility ETF (XSHD) is an ETF from Invesco (US). Over the past year VTI returned +16.63% while XSHD returned -2.23%. Year to date, VTI is up 13.02% versus a loss of 1.51% for XSHD.
Over three years, VTI compounded at +21.97% per year against +0.13% for XSHD; over five years the annualized figures are +11.99% and -6.02% respectively. Across the full 10-year window we track, VTI has the edge at +13.86% annualized vs -1.52%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XSHD has been the more volatile fund, with annualized monthly volatility of 21.6% compared with 15.9% 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 -49.5% for XSHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while XSHD charges 0.30%. On a $10,000 position that is $3 vs $30 annually, a gap of $27 per year that compounds over a long holding period. On income, VTI currently yields 1.06% against 4.83% for XSHD.
Holdings Overlap
0.1% of VTI's money is in holdings XSHD also owns. 98.6% of XSHD's money is in holdings VTI also owns.
Most of XSHD is already inside VTI. Owning both mostly buys the same companies twice.
55 positions in common, counted across the 3,441 positions we hold weights for in VTI and 56 in XSHD, against full books of 3,524 and 124.
What only one of them owns
Our book lists 1 positions for XSHD that do not appear in our book for VTI (1.5% of the fund), and 1,141 for VTI that do not appear in XSHD (97.4%).
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 XSHD | Difference |
|---|---|---|---|
| RITMRithm Capital | 0.01% | 3.68% | 3.67% |
| CAGConagra Brands Inc. | 0.01% | 3.38% | 3.37% |
| EFCEllington Financial Inc | 0.00% | 3.27% | 3.27% |
| MRPMillrose Properties Inc | 0.01% | 3.23% | 3.22% |
| IIPRInnovative Industrial Properties Inc | 0.00% | 3.15% | 3.15% |
| GNLGlobal Net Lease Inc | 0.00% | 3.12% | 3.12% |
| ARRArmour Residential Reit Inc | 0.00% | 3.11% | 3.11% |
| PMTPennymac Mortgage Investment | 0.00% | 2.97% | 2.97% |
| DEAEasterly Government Properties Inc | 0.00% | 2.74% | 2.74% |
| KNTKAltus Midstream Company | 0.00% | 2.73% | 2.73% |
98.6% of XSHD is already inside VTI.
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, VTI or XSHD?
VTI has an expense ratio of 0.03% while XSHD charges 0.30%. VTI is the cheaper option, by $27 a year on a $10,000 investment.
Which performed better, VTI or XSHD?
Over the past year VTI returned +16.63% vs -2.23% for XSHD, so VTI leads on 1-year performance. Over the longest common window we track (10 years), VTI annualized +13.86% vs -1.52% for XSHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or XSHD?
XSHD has been the more volatile fund at 21.6% annualized versus 15.9% for VTI. Worst drawdown: VTI -35.0% vs XSHD -49.5%.
Should I hold both VTI and XSHD?
VTI and XSHD have a monthly-return correlation of 0.77, 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 XSHD?
98.6% of XSHD's money is in holdings VTI also owns. 98.6% of XSHD's is in holdings VTI also owns. They hold 55 positions in common, counted across the 3,441 positions we hold weights for in VTI and 56 in XSHD.
Which pays a higher dividend, VTI or XSHD?
VTI yields 1.06% while XSHD yields 4.83%, so XSHD currently pays the higher dividend yield.
Is XSHD better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. XSHD is less concentrated, with 31.4% 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.