Data as of Oct 28, 2026.
VTI vs XDTE: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to XDTE's +13.6%, and VTI charges 0.03% to XDTE's 0.97%.
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Net assets: $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF, and $322m on Oct 28, 2026 for Roundhill S&P 500 0DTE Covered Call Strategy ETF.
Pair scorecard
VTI costs 0.94 points a year less; their one-year returns differ by 0.1 points.
| Measure | VTI | XDTE |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | +13.6% |
| Price change, 1 year | rose 12.2% | fell 14.3% |
| Latest payout, annualized | 15.2% | |
| Return of capital, issuer estimate | 100% of the Oct 23, 2026 payment | |
| Benchmark | ||
| What it tracks | Morningstar US Total Market Index | Benchmark: S&P 500, measured through SPY |
| Cost and size | ||
| Expense ratio | 0.03% | 0.97% |
| Net assets, VTI as of Sep 30, 2026 and XDTE as of Oct 28, 2026 | $689.2bn | $322m |
| Holdings | ||
| Holdings in common | 0% | |
| 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 28, 2026. Method
Risk and return
Mar 15, 2024 to Oct 23, 2026 · 136 weekly returnsVTI returned more: +52.1% to +46.5%. XDTE swung slightly less: 13.2% to 14.6%. XDTE fell slightly less at its worst: −16.7% to −17.4%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTI | XDTE | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +52.1% | +46.5% | VTI | Price change plus distributions, reinvested. |
| Annualized | +17.4% | +15.7% | VTI (slight) | Total return as a yearly rate. |
| Price return | +47.0% | −27.7% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 14.6% | 13.2% | XDTE (slight) | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 9.6% | 9.3% | XDTE (slight) | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −17.4% | −16.7% | XDTE (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.88 | 0.85 | VTI (slight) | Return above Treasury bills per unit of volatility. |
| Sortino | 1.33 | 1.20 | VTI (slight) | Return above Treasury bills per unit of downside deviation. |
| Calmar | 1.00 | 0.94 | VTI (slight) | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 136 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VTI and XDTE hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 28, 2026.
half
0% in common
Only in one fund ↓
Side by side
VTI and XDTE on the fields both publish, as of Oct 28, 2026. Source: ETFIQ. Cash paid: distributions over the window, as a share of the starting price.
VTI and XDTE do different jobs. What does each one do in a portfolio?
- What each follows. VTI follows Morningstar US Total Market Index and XDTE is measured against S&P 500 through SPY.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Sep 30, 2026 and Oct 28, 2026).
- Cost. VTI charges 0.03% of assets a year and XDTE 0.97%, a gap of 0.94 points.
Data as of Oct 28, 2026.
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VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% 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%.
XDTE
Over the year to Oct 28, 2026, XDTE paid 25.5% of its starting value in cash distributions while its price fell 14.3%. With every distribution reinvested, the fund returned +13.6%. S&P 500 (SPY) returned +13.6% over the same days, so a holder was about even. At its price on Oct 28, 2026 the latest distribution annualizes to 15.2%, paid weekly. Roundhill estimates that 100% of the distribution paid Oct 23, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.
Questions people ask
- Are VTI and XDTE in the same category?
- VTI is a stock ETF and XDTE is an option-income ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
- Which returned more over the last year, VTI or XDTE?
- In the year to Oct 28, 2026, with distributions reinvested, VTI returned +13.5% and XDTE +13.6%.
- Which is cheaper, VTI or XDTE?
- VTI is cheaper, by 0.94 percentage points a year. That is about $94 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, VTI against XDTE, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-xdte
ETFIQ. (Oct 28, 2026). VTI against XDTE. Retrieved from https://etfiq.com/compare/any/vti-vs-xdte
[VTI against XDTE (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-xdte)
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