XTOT.TO vs. HPYB.TO

Last updated Apr 1, 2026

Compare and contrast key facts about iShares Core S&P Total U.S. Stock Market Index ETF (XTOT.TO) and Harvest Premium Yield Canadian Bank ETF (HPYB.TO).

XTOT.TO and HPYB.TO are both exchange-traded funds (ETFs), meaning they are traded on stock exchanges and can be bought and sold throughout the day. XTOT.TO is a passively managed fund by iShares that tracks the performance of the S&P Total Market Index. It was launched on May 28, 2025. HPYB.TO is an actively managed fund by Harvest. It was launched on Jan 16, 2026.

Performance

XTOT.TO vs. HPYB.TO - Performance Comparison

The chart below illustrates the hypothetical performance of a CA$10,000 investment in iShares Core S&P Total U.S. Stock Market Index ETF (XTOT.TO) and Harvest Premium Yield Canadian Bank ETF (HPYB.TO). The values are adjusted to include any dividend payments, if applicable.

XTOT.TO vs. HPYB.TO - Yearly Performance Comparison

	2026 (YTD)
XTOT.TO iShares Core S&P Total U.S. Stock Market Index ETF	-4.41%
HPYB.TO Harvest Premium Yield Canadian Bank ETF	0.14%

Returns By Period

XTOT.TO

• 1D: 3.22%
• 1M: -2.94%
• YTD: -2.69%
• 6M: -1.74%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

HPYB.TO

• 1D: 2.28%
• 1M: -2.89%
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

XTOT.TO vs. HPYB.TO - Expense Ratio Comparison

XTOT.TO

iShares Core S&P Total U.S. Stock Market Index ETF

Return for Risk

XTOT.TO vs. HPYB.TO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for iShares Core S&P Total U.S. Stock Market Index ETF (XTOT.TO) and Harvest Premium Yield Canadian Bank ETF (HPYB.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.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	XTOT.TO	HPYB.TO	Difference
Sharpe Ratio (All Time) Calculated using the full available price history	1.18	0.05	+1.13

Correlation

The correlation between XTOT.TO and HPYB.TO is 0.69, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

XTOT.TO vs. HPYB.TO - Dividend Comparison

XTOT.TO's dividend yield for the trailing twelve months is around 0.71%, less than HPYB.TO's 2.40% yield.

	TTM	2025
XTOT.TO iShares Core S&P Total U.S. Stock Market Index ETF	0.71%	0.54%
HPYB.TO Harvest Premium Yield Canadian Bank ETF	2.40%	0.00%

Drawdowns

XTOT.TO vs. HPYB.TO - Drawdown Comparison

The maximum XTOT.TO drawdown since its inception was -9.64%, which is greater than HPYB.TO's maximum drawdown of -6.37%. Use the drawdown chart below to compare losses from any high point for XTOT.TO and HPYB.TO.

Drawdown Indicators

	XTOT.TO	HPYB.TO	Difference
Max Drawdown Largest peak-to-trough decline	-9.64%	-6.37%	-3.27%
Current Drawdown Current decline from peak	-6.73%	-4.24%	-2.49%
Average Drawdown Average peak-to-trough decline	-1.94%	-2.22%	+0.28%

Volatility

Volatility by Period

	XTOT.TO	HPYB.TO	Difference
Volatility (1Y) Calculated over the trailing 1-year period	13.18%	15.17%	-1.99%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.18%	15.17%	-1.99%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	13.18%	15.17%	-1.99%