VTI vs XPAY: Performance, Holdings, Fees & Risk
VTI and XPAY are ETFs, but they can differ materially in exposure, yield, fees and risk. VTI is Vanguard Morningstar Total Stock Market ETF, while XPAY is Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF. VTI is broader by holdings count, with 3,524 positions versus 15 for XPAY. XPAY is more concentrated at the top, based on top-10 holdings weight. Current AlgovestIQ evidence has VTI ahead on AIQ Score, 60 versus 44.
What is the main difference between VTI and XPAY?
VTI holds 3,524 positions to XPAY's 15, and 0% of their weight is in the same securities.
| Metric | VTI | XPAY |
|---|---|---|
| Fund | ||
| Expense ratio | 0.03% | 0.49% |
| Holdings | 3,524 | 15 |
| Top-10 concentration | 33.2% | 90.1% |
| Distribution yieldTrailing 12 months | 1.05% | 21.22% |
| Average volume | 3,115,564 | 52,025 |
| Performance | ||
| 1Y return | +15.8% | -4.9% |
| YTD return | +12.5% | -4.7% |
| Risk | ||
| Annualized volatility | 13% | 14.2% |
| Max drawdown (1Y) | -9.2% | -15.5% |
| Beta | 1.02 | 0.99 |
| Sharpe ratio | 0.86 | -0.60 |
| Sortino ratio | 1.32 | -0.77 |
| AlgovestIQ | ||
| AIQ Score | 60/100 | 44/100 |
| AIQ Edge Score | 8/10 | 3/10 |
| Momentum | 51/100 | 37/100 |
| Risk Resilience | 86/100 | 83/100 |
AlgovestIQ AIQ Comparison
Vanguard Morningstar Total Stock Market ETF vs Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF
VTI leads
VTI leads by 16 AIQ points, primarily on Quality and Momentum.
Competitive: 2 of 4 evidence groups support VTI, and its current signal state is conflicted.
Vanguard Morningstar Total Stock Market ETF
Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF
The Algovestiq AIQ Score currently favors VTI over XPAY, 60 versus 44 as of Oct 21, 2026. VTI's advantage is driven primarily by stronger quality and momentum. VTI also shows the stronger technical structure relative to its 50-day moving average. 2 of 4 covered evidence groups favor VTI today, and the comparison is rated Competitive on stability: only 2 of 4 covered evidence groups agree. VTI lead: Stable — the AIQ differential has held near 16 points over 30 sessions.
Compare Vanguard Morningstar Total Stock Market ETF and Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
VTI vs XPAY: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | VTI | XPAY | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.03% | 0.49% | VTI |
| Broader diversificationNumber of holdings | 3,524 | 15 | VTI |
| Lower concentrationWeight of the 10 largest holdings | 33.2% | 90.1% | VTI |
| Higher incomeTrailing 12-month distribution yield | 1.05% | 21.22% | XPAY |
| Smaller drawdownsMax drawdown, 1 year | -9.2% | -15.5% | VTI |
| Lower volatilityAnnualized volatility, 1 year | 13% | 14.2% | VTI |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare VTI and XPAY against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality74 vs 35VTI +39
- Momentum51 vs 37VTI +14
- Risk Resilience86 vs 83Even
- Value42 vs 40Even
2 of 4 evidence groups favor VTI. VTI’s edge is concentrated in quality and momentum.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +4
No signal started or stopped since the prior session; its 5 active signals are unchanged.
Largest factor move: Momentum +3
No signal started or stopped since the prior session; its 5 active signals are unchanged.
VTI's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — VTI and XPAY both carry a full feed there.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | VTI | XPAY | Why it matters |
|---|---|---|---|
| Expense ratio | 0.03% | 0.49% | Lower is better — it compounds against you every year you hold. |
| Holdings | 3,524 | 15 | More holdings means broader diversification, not better returns. |
| Average volume | 3,115,564 | 52,025 | Liquidity — matters most if you trade size. |
| Annualized volatility | 13% | 14.2% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -9.2% | -15.5% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | 0.86 | -0.60 | Return per unit of risk. Higher is better. |
| Beta | 1.02 | 0.99 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
How much of the same holdings they own
VTI and XPAY share 0% of their weighted exposure across 0 common holdings.
3,499 holdings are unique to VTI, and 14 holdings are unique to XPAY. Owning both is genuinely additive — most of the capital sits in different securities.
XPAY is the more concentrated of the two: its ten largest positions are 90.14% of the fund, against 33.24% for VTI (15 holdings vs 3,524). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
What VTI adds that XPAY doesn’t
| Holding | VTI | XPAY |
|---|---|---|
| NVDANVIDIA Corp | 6.4% | Not held |
| AAPLApple Inc | 6.29% | Not held |
| MSFTMicrosoft Corp | 4.79% | Not held |
| AMZNAmazon.com Inc | 3.65% | Not held |
| GOOGLAlphabet Inc | 2.9% | Not held |
| AVGOBroadcom Inc | 2.56% | Not held |
What XPAY adds that VTI doesn’t
| Holding | XPAY | VTI |
|---|---|---|
| 4SPY 270212C00033470SPY 02/12/2027 33.47 C | 14.11% | Not held |
| 4SPY 270716C00036700SPY 07/16/2027 36.7 C | 12.1% | Not held |
| 4SPY 270312C00033670SPY 03/12/2027 33.67 C | 11.82% | Not held |
| 4SPY 270416C00033870SPY 04/16/2027 33.87 C | 11.79% | Not held |
| 4SPY 270611C00037110SPY 06/11/2027 37.11 C | 10.34% | Not held |
| 4SPY 270115C00033210SPY 01/15/2027 33.21 C | 7.14% | Not held |
Each list is a fund’s largest positions by weight that the other fund does not hold, or holds at less than half the weight.
VTI vs XPAY: five-year payout growth
VTI grew its split-adjusted payout at 6.28% a year over 2020-2025. XPAY began paying distributions in 2024, so it has no 2020-2025 growth rate to compare.
| Dividend metric | VTI | XPAY |
|---|---|---|
| 2025 annual payout | $3.757 | $11.434 |
| Peer rank | #81 of 138 | not ranked |
Split-adjusted annual distributions, 2020–2025. Research as of Sep 19, 2026. Yield and expense ratio above are current values, not part of this window.
AIQ Agreement Matrix
2 of 4 covered evidence groups favor VTI. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | VTI | 60 vs 44 |
| Fundamentals | Not covered | Not covered |
| Valuation | Even | Value 42 vs 40 |
| Technicals | VTI | Price vs 50-day 0.2% vs -1.6%; vs 200-day 5.3% vs -2.4% |
| Risk Resilience | Even | Risk Resilience 86 vs 83 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of VTI and XPAY and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is wide at 16 points. (supports the conclusion holding)
- Only 2 of 4 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on VTI.
How the comparison changed
45 daily snapshots · Sep 6 – Oct 20VTI lead: Stable — the AIQ differential has held near 16 points over 30 sessions.
- Today
- VTI +16
- 60 vs 44
- 7 sessions ago
- VTI +16
- 59 vs 43
- 30 sessions ago
- VTI +14
- 60 vs 46
- 90 sessions ago
- Not covered
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 1 bearish / 2 neutral, conflicted
Only VTI
- Golden Cross Active — bullish, trend, long horizon (5.66%)
- EMA Ribbon Compression — neutral, trend, medium horizon
- 52-Week High Proximity — bullish, risk, long horizon (1.7%)
0 bullish / 3 bearish / 2 neutral
Only XPAY
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Death Cross Active — bearish, trend, long horizon (0.20%)
- Downtrend Structure Active — bearish, trend, long horizon
Both carry 2 more signals that do not separate them: ATR Contraction - Coiling, MACD Bearish Crossover.
VTI leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +0.55%, AIQ +1 points).
Price and the AIQ Score both moved up over the latest session (price +0.53%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1XPAY closes the Quality gap — currently 39 points behind, the largest single contributor to VTI's edge.
- 2XPAY's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3VTI's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
VTI leads 6 of 6 windows| Metric | VTI | XPAY |
|---|---|---|
| 1 week (5 sessions) | -1.1% | -2.9% |
| 1 month (20 sessions) | -1.1% | -2.4% |
| 3 months (63 sessions) | 2.2% | -2.3% |
| 6 months (126 sessions) | 8.4% | -1.2% |
| Year to date | 12.5% | -4.7% |
| 1 year (252 sessions) | 15.8% | -4.9% |
Technicals
VTI has the stronger structure| Metric | VTI | XPAY |
|---|---|---|
| RSI (14) | 55.2 | 44.6 |
| ADX (14) | 13.4 | 18.4 |
| Price vs 50-day | 0.2% | -1.6% |
| Price vs 200-day | 5.3% | -2.4% |
| Volatility (1M, annualized) | 9.8% | 14.3% |
Risk
Split| Metric | VTI | XPAY |
|---|---|---|
| Beta | 1.02 | 0.99 |
| Sharpe ratio | 0.86 | -0.6 |
| Sortino ratio | 1.32 | -0.77 |
| Max drawdown | -9.2% | -15.5% |
| Current drawdown | -1.9% | -8.5% |
| Annualized volatility | 13% | 14.2% |
| Value at risk (95%) | -1.4% | -1.6% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between VTI and XPAY?
VTI holds 3,524 positions to XPAY's 15, and 0% of their weight is in the same securities.
How much do VTI and XPAY overlap?
VTI and XPAY share 0% of their weighted exposure across 0 common holdings. 3,499 holdings are unique to VTI, and 14 holdings are unique to XPAY. Owning both is genuinely additive — most of the capital sits in different securities.
Which ETF is more diversified, VTI or XPAY?
VTI holds more positions: 3,524 versus 15 for XPAY.
Which has the lower expense ratio?
VTI has the lower expense ratio, 0.03% a year against 0.49% for XPAY.
Which ETF has the higher distribution yield?
XPAY, with a trailing 12-month distribution yield of 21.22% against 1.05% for VTI.
Which ETF has been more volatile?
XPAY has been more volatile over the past year, at 14.2% annualized against 13% for VTI.
Which ETF has had the smaller drawdown?
VTI fell less from peak to trough over the past year: -9.2% against -15.5% for XPAY.
Compare VTI and XPAY with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.