Data as of Oct 27, 2026.
JEPI vs VTI: Differences, Returns & Fees
Over the year to Oct 27, 2026, JEPI returned +7.6% to VTI's +13.3%, and VTI charges 0.03% to JEPI's 0.35%.
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Net assets: $45.8bn on Oct 26, 2026 for JPMorgan Equity Premium Income ETF, and $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.32 points a year less; their one-year returns differ by 5.7 points.
| Measure | JEPI | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | +7.6% | +13.3% |
| Price change, 1 year | fell 0.6% | rose 12.0% |
| Latest payout, annualized | 7.2% | |
| Against its benchmark | ||
| What it tracks | Benchmark: S&P 500, measured through SPY | Morningstar US Total Market Index |
| Against its benchmark, same days | behind by 5.9 pts | |
| Cost and size | ||
| Expense ratio | 0.35% | 0.03% |
| Net assets, JEPI as of Oct 26, 2026 and VTI as of Sep 30, 2026 | $45.8bn | $689.2bn |
| Holdings | ||
| Holdings in common | 36% | |
| In the S&P 500, by weight | 88% | |
| Top ten holdings, share of the fund | 34.7% | |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 26, 2026. Method
Risk and return
May 29, 2020 to Oct 23, 2026 · 334 weekly returnsVTI returned more: +166.0% to +91.1%. JEPI swung less: 10.5% to 16.4%. JEPI fell less at its worst: −13.1% to −24.9%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | JEPI | VTI | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +91.1% | +166.0% | VTI | Price change plus distributions, reinvested. |
| Annualized | +10.6% | +16.5% | VTI | Total return as a yearly rate. |
| Price return | +11.0% | +142.7% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 10.5% | 16.4% | JEPI | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 7.1% | 10.7% | JEPI | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −13.1% | −24.9% | JEPI | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.72 | 0.82 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 1.06 | 1.26 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.81 | 0.66 | JEPI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 334 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, JEPI and VTI hold 36% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 26, 2026.
half
36% in common
Only in one fund ↓
Side by side
JEPI and VTI on the fields both publish, as of Oct 27, 2026. Source: ETFIQ. Cash paid: distributions over the window, as a share of the starting price.
JEPI and VTI do different jobs. What does each one do in a portfolio?
- What each follows. JEPI is measured against S&P 500 through SPY and VTI follows Morningstar US Total Market Index.
- Holdings in common. 36% of the weight is in the same securities (holdings dated Oct 26, 2026 and Sep 30, 2026).
- One-year total return. Over 1 year to Oct 27, 2026 JEPI returned +7.6% and VTI +13.3% with distributions reinvested, a gap of 5.7 points.
Data as of Oct 27, 2026.
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JEPI
Over the year to Oct 27, 2026, JEPI paid 7.9% of its starting value in cash distributions while its price fell 0.6%. With every distribution reinvested, the fund returned +7.6%. S&P 500 (SPY) returned +13.5% over the same days, so a holder was behind by 5.9 pts. At its price on Oct 27, 2026 the latest distribution annualizes to 7.2%, paid monthly.
VTI
VTI tracks an index of US total market. Over the year to Oct 27, 2026 it returned +13.3% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
Questions people ask
- Are JEPI and VTI in the same category?
- JEPI is an option-income ETF and VTI is a stock ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
- Which returned more over the last year, JEPI or VTI?
- In the year to Oct 27, 2026, with distributions reinvested, JEPI returned +7.6% and VTI +13.3%.
- Which is cheaper, JEPI or VTI?
- VTI is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, JEPI against VTI, data as of Oct 27, 2026. https://etfiq.com/compare/any/jepi-vs-vti
ETFIQ. (Oct 27, 2026). JEPI against VTI. Retrieved from https://etfiq.com/compare/any/jepi-vs-vti
[JEPI against VTI (ETFIQ, Oct 27, 2026)](https://etfiq.com/compare/any/jepi-vs-vti)
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