VUS.TO vs. XUSC.TO
VUS.TO (Vanguard U.S. Total Market Index ETF (CAD-hedged)) and XUSC.TO (iShares S&P 500 3% Capped Index ETF (CAD Units)) are both Large Cap Blend Equities funds - VUS.TO tracks the CRSP US Total Market Index while XUSC.TO tracks the S&P 500 3% Capped Index. Both are passively managed. Over the past year, VUS.TO returned 23.82% vs 27.68% for XUSC.TO. Their correlation of 0.85 suggests significant overlap in exposure. VUS.TO charges 0.17%/yr vs 0.12%/yr for XUSC.TO.
Performance
VUS.TO vs. XUSC.TO - Performance Comparison
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Returns By Period
In the year-to-date period, VUS.TO achieves a 9.96% return, which is significantly lower than XUSC.TO's 12.69% return.
VUS.TO
- 1D
- -0.73%
- 1M
- 4.98%
- YTD
- 9.96%
- 6M
- 8.19%
- 1Y
- 23.82%
- 3Y*
- 19.29%
- 5Y*
- 10.63%
- 10Y*
- 13.09%
XUSC.TO
- 1D
- 0.23%
- 1M
- 7.55%
- YTD
- 12.69%
- 6M
- 10.97%
- 1Y
- 27.68%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
VUS.TO vs. XUSC.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | |
|---|---|---|---|
VUS.TO Vanguard U.S. Total Market Index ETF (CAD-hedged) | 9.96% | 13.31% | 6.11% |
XUSC.TO iShares S&P 500 3% Capped Index ETF (CAD Units) | 12.69% | 11.40% | 11.76% |
Correlation
The correlation between VUS.TO and XUSC.TO is 0.82, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.82 |
Correlation (All Time) Calculated using the full available price history since Jul 19, 2024 | 0.85 |
The correlation between VUS.TO and XUSC.TO has been stable across timeframes, ranging from 0.82 to 0.85 - a consistent structural relationship.
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Return for Risk
VUS.TO vs. XUSC.TO — Risk / Return Rank
VUS.TO
XUSC.TO
VUS.TO vs. XUSC.TO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard U.S. Total Market Index ETF (CAD-hedged) (VUS.TO) and iShares S&P 500 3% Capped Index ETF (CAD Units) (XUSC.TO). 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.
| VUS.TO | XUSC.TO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.49 | ||
| Sortino ratioReturn per unit of downside risk | -0.69 | ||
| Omega ratioGain probability vs. loss probability | 1.35 | 1.44 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.47 | 3.66 | -1.19 |
| Martin ratioReturn relative to average drawdown | 10.99 | 13.42 | -2.43 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| VUS.TO | XUSC.TO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.94 | 2.43 | -0.49 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.62 | — | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 1.27 | -0.46 |
Drawdowns
VUS.TO vs. XUSC.TO - Drawdown Comparison
The maximum VUS.TO drawdown since its inception was -36.70%, which is greater than XUSC.TO's maximum drawdown of -18.31%. Use the drawdown chart below to compare losses from any high point for VUS.TO and XUSC.TO.
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Drawdown Indicators
| VUS.TO | XUSC.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -36.70% | -18.31% | -18.39% |
Max Drawdown (1Y)Largest decline over 1 year | -9.68% | -7.60% | -2.08% |
Max Drawdown (3Y)Largest decline over 3 years | -19.21% | — | — |
Max Drawdown (5Y)Largest decline over 5 years | -26.25% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -36.70% | — | — |
Current DrawdownCurrent decline from peak | -0.73% | 0.00% | -0.73% |
Average DrawdownAverage peak-to-trough decline | -4.33% | -2.67% | -1.66% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.17% | 2.07% | +0.10% |
Volatility
VUS.TO vs. XUSC.TO - Volatility Comparison
Vanguard U.S. Total Market Index ETF (CAD-hedged) (VUS.TO) has a higher volatility of 3.14% compared to iShares S&P 500 3% Capped Index ETF (CAD Units) (XUSC.TO) at 2.61%. This indicates that VUS.TO's price experiences larger fluctuations and is considered to be riskier than XUSC.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VUS.TO | XUSC.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.14% | 2.61% | +0.53% |
Volatility (6M)Calculated over the trailing 6-month period | 9.38% | 8.51% | +0.87% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.34% | 11.46% | +0.88% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.22% | 15.72% | +1.50% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 18.08% | 15.72% | +2.36% |
VUS.TO vs. XUSC.TO - Expense Ratio Comparison
VUS.TO has a 0.17% expense ratio, which is higher than XUSC.TO's 0.12% 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
VUS.TO vs. XUSC.TO - Dividend Comparison
VUS.TO's dividend yield for the trailing twelve months is around 0.75%, less than XUSC.TO's 0.84% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VUS.TO Vanguard U.S. Total Market Index ETF (CAD-hedged) | 0.75% | 0.84% | 0.97% | 1.07% | 1.23% | 0.95% | 1.11% | 1.39% | 1.60% | 1.32% | 1.49% | 1.59% |
XUSC.TO iShares S&P 500 3% Capped Index ETF (CAD Units) | 0.84% | 0.94% | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
VUS.TO and XUSC.TO have a correlation of 0.82, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, XUSC.TO is cheaper at 0.12% per year. The better choice depends on whether you care most about return, fees, risk, or income.
XUSC.TO is cheaper with a 0.12% expense ratio, compared with 0.17% for VUS.TO.
VUS.TO tracks CRSP US Total Market Index, while XUSC.TO tracks S&P 500 3% Capped Index. They also come from different issuers: Vanguard and iShares. Their fees differ too: 0.17% for VUS.TO and 0.12% for XUSC.TO.
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