USRT vs. VTI
USRT (iShares Core U.S. REIT ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - USRT is a REIT fund tracking the FTSE Nareit Equity REITS 40 Act Capped Index, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Both are passively managed. Over the past 10 years, USRT returned 6.53%/yr vs 15.14%/yr for VTI. A 0.62 correlation means they provide meaningful diversification when combined. USRT charges 0.08%/yr vs 0.03%/yr for VTI.
Performance
USRT vs. VTI - Performance Comparison
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Returns By Period
In the year-to-date period, USRT achieves a 17.49% return, which is significantly higher than VTI's 8.82% return. Over the past 10 years, USRT has underperformed VTI with an annualized return of 6.53%, while VTI has yielded a comparatively higher 15.14% annualized return.
USRT
- 1D
- 1.30%
- 1M
- 1.84%
- YTD
- 17.49%
- 6M
- 17.97%
- 1Y
- 18.57%
- 3Y*
- 14.08%
- 5Y*
- 5.53%
- 10Y*
- 6.53%
VTI
- 1D
- -1.39%
- 1M
- -0.84%
- YTD
- 8.82%
- 6M
- 7.71%
- 1Y
- 24.22%
- 3Y*
- 20.62%
- 5Y*
- 11.90%
- 10Y*
- 15.14%
USRT vs. VTI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USRT iShares Core U.S. REIT ETF | 17.49% | 2.44% | 8.58% | 13.64% | -24.43% | 43.26% | -8.06% | 25.98% | -4.67% | 5.27% |
VTI Vanguard Total Stock Market ETF | 8.82% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
Correlation
The correlation between USRT and VTI is 0.30, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.30 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.49 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.60 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.57 |
Correlation (All Time) Calculated using the full available price history since May 4, 2007 | 0.62 |
Over the past year, the correlation between USRT and VTI has dropped to 0.30 - well below their long-term average of 0.62, suggesting their price drivers have been diverging.
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Return for Risk
USRT vs. VTI — Risk / Return Rank
USRT
VTI
USRT vs. VTI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares Core U.S. REIT ETF (USRT) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| USRT | VTI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.55 | ||
| Sortino ratioReturn per unit of downside risk | -0.72 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.34 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.32 | 2.73 | -0.41 |
| Martin ratioReturn relative to average drawdown | 7.44 | 12.14 | -4.70 |
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Drawdowns
USRT vs. VTI - Drawdown Comparison
The maximum USRT drawdown since its inception was -69.92%, which is greater than VTI's maximum drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for USRT and VTI.
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Drawdown Indicators
| USRT | VTI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.92% | -55.45% | -14.47% |
Max Drawdown (1Y)Largest decline over 1 year | -8.04% | -8.92% | +0.88% |
Max Drawdown (3Y)Largest decline over 3 years | -18.70% | -19.30% | +0.60% |
Max Drawdown (5Y)Largest decline over 5 years | -31.03% | -25.36% | -5.67% |
Max Drawdown (10Y)Largest decline over 10 years | -44.38% | -35.00% | -9.38% |
Current DrawdownCurrent decline from peak | -0.25% | -2.85% | +2.60% |
Average DrawdownAverage peak-to-trough decline | -12.94% | -8.01% | -4.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.50% | 2.00% | +0.50% |
Volatility
USRT vs. VTI - Volatility Comparison
iShares Core U.S. REIT ETF (USRT) and Vanguard Total Stock Market ETF (VTI) have volatilities of 5.19% and 4.95%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USRT | VTI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.19% | 4.95% | +0.24% |
Volatility (6M)Calculated over the trailing 6-month period | 10.06% | 10.05% | +0.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.89% | 12.83% | +1.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.93% | 17.51% | +1.42% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 21.33% | 18.32% | +3.01% |
USRT vs. VTI - Expense Ratio Comparison
USRT has a 0.08% expense ratio, which is higher than VTI's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
USRT vs. VTI - Dividend Comparison
USRT's dividend yield for the trailing twelve months is around 2.57%, more than VTI's 1.04% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USRT iShares Core U.S. REIT ETF | 2.57% | 3.07% | 2.85% | 3.18% | 3.46% | 2.27% | 3.12% | 3.34% | 5.66% | 3.44% | 3.98% | 3.59% |
VTI Vanguard Total Stock Market ETF | 1.04% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
Frequently Asked Questions
USRT and VTI have a correlation of 0.30, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USRT has higher volatility (5.19%) compared to VTI (4.95%). In terms of maximum drawdown, USRT dropped -69.92% vs VTI's -55.45%.
On 10-year performance, VTI leads with 15.14% vs 6.53% for USRT. On fees, VTI is cheaper at 0.03% per year. On volatility, VTI has been the lower-risk option at 4.95%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, VTI has performed better with a 15.14% return vs 6.53%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
VTI is cheaper with a 0.03% expense ratio, compared with 0.08% for USRT.
USRT has the higher dividend yield at 2.57%, compared with 1.04% for VTI.
USRT is categorized as REIT, while VTI is Large Cap Blend Equities. USRT tracks FTSE Nareit Equity REITS 40 Act Capped Index, while VTI tracks CRSP US Total Market Index. They also come from different issuers: iShares and Vanguard. Their fees differ too: 0.08% for USRT and 0.03% for VTI.
VTI currently has the higher Sharpe Ratio (1.90 vs 1.35), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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