Data as of Oct 28, 2026.
VTI vs XT: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to XT's +22.1%, and VTI charges 0.03% to XT's 0.46%.
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Net assets: $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF, and $4.1bn on Oct 27, 2026 for iShares Future Exponential Technologies ETF.
Pair scorecard
VTI costs 0.43 points a year less; their one-year returns differ by 8.6 points; VTI is far larger, $689.2bn against $4.0bn.
| Measure | VTI | XT |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | +22.1% |
| Against its benchmark | ||
| What it tracks | Morningstar US Total Market Index | Broad innovation and megatrends |
| Against its benchmark, 1 year | ahead by 8.7 pts | |
| Cost and size | ||
| Expense ratio | 0.03% | 0.46% |
| Net assets, as of Sep 30, 2026 | $689.2bn | $4.0bn |
| Active share vs the S&P 500 | 69% | |
| Holdings | ||
| Holdings in common | 31% | |
| Top ten holdings, share of the fund | 34.7% | 37% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
Risk and return
Apr 2, 2015 to Oct 23, 2026 · 603 weekly returnsVTI returned slightly more: +319.3% to +292.0%. VTI swung less: 17.0% to 19.0%. VTI fell slightly less at its worst: −32.9% to −34.3%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTI | XT | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +319.3% | +292.0% | VTI (slight) | Price change plus distributions, reinvested. |
| Annualized | +13.2% | +12.5% | VTI (slight) | Total return as a yearly rate. |
| Price return | +247.3% | +225.6% | VTI (slight) | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 17.0% | 19.0% | VTI | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 11.9% | 13.2% | VTI (slight) | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −32.9% | −34.3% | VTI (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.68 | 0.60 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.98 | 0.87 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.40 | 0.36 | VTI (slight) | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 603 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VTI and XT hold 31% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
31% in common
Only in one fund ↓
Side by side
VTI and XT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTI and XT do different jobs. What does each one do in a portfolio?
- What each follows. VTI follows Morningstar US Total Market Index and XT follows Broad innovation and megatrends.
- Holdings in common. 31% 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 XT +22.1% with distributions reinvested, a gap of 8.6 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%.
XT
By weight, 66% of XT's portfolio is stocks that are also in the S&P 500; its active share against the S&P 500 is 69%. The top ten holdings are 37% of the fund across 197 positions, as published by its issuer for Oct 27, 2026. Over the year to Oct 28, 2026 the fund returned +22.1% with distributions reinvested against +13.4% for its benchmark, the MSCI All Country World Index, so a holder was ahead by 8.7 pts.
Questions people ask
- Are VTI and XT in the same category?
- VTI is a stock ETF and XT is a thematic 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 XT?
- In the year to Oct 28, 2026, with distributions reinvested, VTI returned +13.5% and XT +22.1%.
- Which is cheaper, VTI or XT?
- VTI is cheaper, by 0.43 percentage points a year. That is about $43 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 XT, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-xt
ETFIQ. (Oct 28, 2026). VTI against XT. Retrieved from https://etfiq.com/compare/any/vti-vs-xt
[VTI against XT (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-xt)
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