XTOT.TO vs. ZDY.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 BMO US Dividend ETF (CAD) (ZDY.TO).

XTOT.TO and ZDY.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. ZDY.TO is an actively managed fund by BMO. It was launched on Mar 19, 2013.

Performance

XTOT.TO vs. ZDY.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 BMO US Dividend ETF (CAD) (ZDY.TO). The values are adjusted to include any dividend payments, if applicable.

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

	2026 (YTD)	2025
XTOT.TO iShares Core S&P Total U.S. Stock Market Index ETF	-2.69%	15.99%
ZDY.TO BMO US Dividend ETF (CAD)	5.49%	8.14%

Returns By Period

In the year-to-date period, XTOT.TO achieves a -2.69% return, which is significantly lower than ZDY.TO's 5.49% return.

XTOT.TO

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

ZDY.TO

• 1D: 1.82%
• 1M: -1.54%
• YTD: 5.49%
• 6M: 1.28%
• 1Y: 8.26%
• 3Y*: 13.56%
• 5Y*: 11.27%
• 10Y*: 10.01%

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

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

XTOT.TO has a 0.07% expense ratio, which is lower than ZDY.TO's 0.30% expense ratio.

ZDY.TO

BMO US Dividend ETF (CAD)

XTOT.TO

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

Return for Risk

XTOT.TO vs. ZDY.TO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ZDY.TO

ZDY.TO Risk / Return Rank: 32
ZDY.TO Sharpe Ratio Rank: 30
ZDY.TO Sortino Ratio Rank: 28
ZDY.TO Omega Ratio Rank: 31
ZDY.TO Calmar Ratio Rank: 36
ZDY.TO Martin Ratio Rank: 32

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

XTOT.TO vs. ZDY.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 BMO US Dividend ETF (CAD) (ZDY.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	ZDY.TO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.52	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.94	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.67	—
Sharpe Ratio (All Time) Calculated using the full available price history	1.18	0.90	+0.28

Correlation

The correlation between XTOT.TO and ZDY.TO is 0.66, 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. ZDY.TO - Dividend Comparison

XTOT.TO's dividend yield for the trailing twelve months is around 0.71%, less than ZDY.TO's 1.61% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
XTOT.TO iShares Core S&P Total U.S. Stock Market Index ETF	0.71%	0.54%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ZDY.TO BMO US Dividend ETF (CAD)	1.61%	1.72%	1.97%	2.43%	2.48%	2.33%	3.65%	3.02%	2.80%	2.63%	2.46%	2.54%

Drawdowns

XTOT.TO vs. ZDY.TO - Drawdown Comparison

The maximum XTOT.TO drawdown since its inception was -9.64%, smaller than the maximum ZDY.TO drawdown of -33.01%. Use the drawdown chart below to compare losses from any high point for XTOT.TO and ZDY.TO.

Drawdown Indicators

	XTOT.TO	ZDY.TO	Difference
Max Drawdown Largest peak-to-trough decline	-9.64%	-33.01%	+23.37%
Max Drawdown (1Y) Largest decline over 1 year	—	-11.38%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-15.32%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-33.01%	—
Current Drawdown Current decline from peak	-6.73%	-1.98%	-4.75%
Average Drawdown Average peak-to-trough decline	-1.94%	-3.33%	+1.39%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	3.71%	—

Volatility

Volatility by Period

	XTOT.TO	ZDY.TO	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	3.97%	—
Volatility (6M) Calculated over the trailing 6-month period	—	9.35%	—
Volatility (1Y) Calculated over the trailing 1-year period	13.18%	15.92%	-2.74%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.18%	12.05%	+1.13%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	13.18%	15.13%	-1.95%