Data as of Oct 28, 2026.
VTI vs XHB: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to XHB's −8.6%; 1% of their weight is in the same names.
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Net assets: $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF, and $1.5bn on Oct 27, 2026 for State Street SPDR S&P Homebuilders ETF.
Pair scorecard
VTI costs 0.32 points a year less; their one-year returns differ by 22.1 points; VTI is far larger, $689.2bn against $1.4bn.
| Measure | VTI | XHB |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | −8.6% |
| Drawdown | ||
| Below its high | 20.5%, high on Oct 18, 2024 | |
| Benchmark | ||
| What it tracks | Morningstar US Total Market Index | S&P Homebuilders Select Industry Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.35% |
| Net assets, as of Sep 30, 2026 | $689.2bn | $1.4bn |
| Holdings | ||
| Holdings in common | 1% | |
| Top ten holdings, share of the fund | 34.7% | 35.4% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
Risk and return
Feb 17, 2006 to Oct 23, 2026 · 1,079 weekly returnsVTI returned more: +744.7% to +167.9%. VTI swung less: 18.2% to 32.4%. VTI fell less at its worst: −54.8% to −81.4%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTI | XHB | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +744.7% | +167.9% | VTI | Price change plus distributions, reinvested. |
| Annualized | +10.8% | +4.9% | VTI | Total return as a yearly rate. |
| Price return | +483.0% | +119.5% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 18.2% | 32.4% | VTI | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.9% | 21.8% | VTI | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −54.8% | −81.4% | VTI | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.56 | 0.25 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.79 | 0.38 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.20 | 0.06 | VTI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,079 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VTI and XHB hold 1% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
1% in common
Only in one fund ↓
Side by side
VTI and XHB on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTI and XHB do different jobs. What does each one do in a portfolio?
- What each follows. VTI follows Morningstar US Total Market Index and XHB follows S&P Homebuilders Select Industry Index.
- Holdings in common. 1% of the weight is in the same securities (holdings dated Sep 30, 2026 and Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 VTI returned +13.5% and XHB −8.6% with distributions reinvested, a gap of 22.1 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%.
XHB
XHB tracks the S&P Homebuilders. Over the year to Oct 28, 2026 it returned −8.6% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 46% of the fund by weight is stocks the S&P 500 also holds, across 34 positions, with the top ten at 35.4%. It sat 20.5% below its high of Oct 18, 2024 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, VTI or XHB?
- In the year to Oct 28, 2026, with distributions reinvested, VTI returned +13.5% and XHB −8.6%.
- Which is cheaper, VTI or XHB?
- 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, VTI against XHB, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-xhb
ETFIQ. (Oct 28, 2026). VTI against XHB. Retrieved from https://etfiq.com/compare/any/vti-vs-xhb
[VTI against XHB (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-xhb)
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