XTOT.TO vs. XUSC.TO
XTOT.TO (iShares Core S&P Total U.S. Stock Market Index ETF) and XUSC.TO (iShares S&P 500 3% Capped Index ETF (CAD Units)) are both Large Cap Blend Equities funds from iShares - XTOT.TO tracks the S&P Total Market Index while XUSC.TO tracks the S&P 500 3% Capped Index. Both are passively managed. Over the past year, XTOT.TO returned 30.81% vs 27.68% for XUSC.TO. Their correlation of 0.85 suggests significant overlap in exposure. XTOT.TO charges 0.07%/yr vs 0.12%/yr for XUSC.TO.
Performance
XTOT.TO vs. XUSC.TO - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with XTOT.TO having a 12.63% return and XUSC.TO slightly higher at 12.69%.
XTOT.TO
- 1D
- -0.15%
- 1M
- 7.36%
- YTD
- 12.63%
- 6M
- 10.59%
- 1Y
- 30.81%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
XUSC.TO
- 1D
- 0.23%
- 1M
- 7.55%
- YTD
- 12.69%
- 6M
- 10.97%
- 1Y
- 27.68%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
XTOT.TO vs. XUSC.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XTOT.TO iShares Core S&P Total U.S. Stock Market Index ETF | 12.63% | 15.99% |
XUSC.TO iShares S&P 500 3% Capped Index ETF (CAD Units) | 12.69% | 13.82% |
Correlation
The correlation between XTOT.TO and XUSC.TO is 0.86, 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 | 0.86 |
Correlation (All Time) Calculated using the full available price history since May 29, 2025 | 0.85 |
The correlation between XTOT.TO and XUSC.TO has been stable across timeframes, ranging from 0.85 to 0.86 - a consistent structural relationship.
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Return for Risk
XTOT.TO vs. XUSC.TO — Risk / Return Rank
XTOT.TO
XUSC.TO
XTOT.TO vs. XUSC.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 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.
| XTOT.TO | XUSC.TO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.09 | ||
| Sortino ratioReturn per unit of downside risk | -0.17 | ||
| Omega ratioGain probability vs. loss probability | 1.44 | 1.44 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 3.21 | 3.66 | -0.45 |
| 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
| XTOT.TO | XUSC.TO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.35 | 2.43 | -0.09 |
Sharpe Ratio (All Time)Calculated using the full available price history | 2.31 | 1.27 | +1.04 |
Drawdowns
XTOT.TO vs. XUSC.TO - Drawdown Comparison
The maximum XTOT.TO drawdown since its inception was -9.64%, smaller than the maximum XUSC.TO drawdown of -18.31%. Use the drawdown chart below to compare losses from any high point for XTOT.TO and XUSC.TO.
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Drawdown Indicators
| XTOT.TO | XUSC.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -9.64% | -18.31% | +8.67% |
Max Drawdown (1Y)Largest decline over 1 year | -9.64% | -7.60% | -2.04% |
Current DrawdownCurrent decline from peak | -0.54% | 0.00% | -0.54% |
Average DrawdownAverage peak-to-trough decline | -1.83% | -2.67% | +0.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.81% | 2.07% | +0.74% |
Volatility
XTOT.TO vs. XUSC.TO - Volatility Comparison
iShares Core S&P Total U.S. Stock Market Index ETF (XTOT.TO) has a higher volatility of 4.41% compared to iShares S&P 500 3% Capped Index ETF (CAD Units) (XUSC.TO) at 2.61%. This indicates that XTOT.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
| XTOT.TO | XUSC.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.41% | 2.61% | +1.80% |
Volatility (6M)Calculated over the trailing 6-month period | 9.77% | 8.51% | +1.26% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.20% | 11.46% | +1.74% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.14% | 15.72% | -2.58% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.14% | 15.72% | -2.58% |
XTOT.TO vs. XUSC.TO - Expense Ratio Comparison
XTOT.TO has a 0.07% expense ratio, which is lower than XUSC.TO's 0.12% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
XTOT.TO vs. XUSC.TO - Dividend Comparison
XTOT.TO's dividend yield for the trailing twelve months is around 0.61%, less than XUSC.TO's 0.84% yield.
| Position | TTM | 2025 | 2024 |
|---|---|---|---|
XTOT.TO iShares Core S&P Total U.S. Stock Market Index ETF | 0.61% | 0.54% | 0.00% |
XUSC.TO iShares S&P 500 3% Capped Index ETF (CAD Units) | 0.84% | 0.94% | 0.24% |
Frequently Asked Questions
XTOT.TO and XUSC.TO have a correlation of 0.86, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, XTOT.TO is cheaper at 0.07% per year. The better choice depends on whether you care most about return, fees, risk, or income.
XTOT.TO is cheaper with a 0.07% expense ratio, compared with 0.12% for XUSC.TO.
XTOT.TO tracks S&P Total Market Index, while XUSC.TO tracks S&P 500 3% Capped Index. Their fees differ too: 0.07% for XTOT.TO and 0.12% for XUSC.TO.
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