XUSC.TO vs. XTOT.TO
XUSC.TO (iShares S&P 500 3% Capped Index ETF (CAD Units)) and XTOT.TO (iShares Core S&P Total U.S. Stock Market Index ETF) are both Large Cap Blend Equities funds from iShares - XUSC.TO tracks the S&P 500 3% Capped Index while XTOT.TO tracks the S&P Total Market Index. Both are passively managed. Over the past year, XUSC.TO returned 27.68% vs 30.81% for XTOT.TO. Their correlation of 0.85 suggests significant overlap in exposure. XUSC.TO charges 0.12%/yr vs 0.07%/yr for XTOT.TO.
Performance
XUSC.TO vs. XTOT.TO - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with XUSC.TO having a 12.69% return and XTOT.TO slightly lower at 12.63%.
XUSC.TO
- 1D
- 0.23%
- 1M
- 7.55%
- YTD
- 12.69%
- 6M
- 10.97%
- 1Y
- 27.68%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
XTOT.TO
- 1D
- -0.15%
- 1M
- 7.36%
- YTD
- 12.63%
- 6M
- 10.59%
- 1Y
- 30.81%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
XUSC.TO vs. XTOT.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
XUSC.TO iShares S&P 500 3% Capped Index ETF (CAD Units) | 12.69% | 13.82% |
XTOT.TO iShares Core S&P Total U.S. Stock Market Index ETF | 12.63% | 15.99% |
Correlation
The correlation between XUSC.TO and XTOT.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 XUSC.TO and XTOT.TO has been stable across timeframes, ranging from 0.85 to 0.86 - a consistent structural relationship.
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Return for Risk
XUSC.TO vs. XTOT.TO — Risk / Return Rank
XUSC.TO
XTOT.TO
XUSC.TO vs. XTOT.TO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares S&P 500 3% Capped Index ETF (CAD Units) (XUSC.TO) and iShares Core S&P Total U.S. Stock Market Index ETF (XTOT.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.
| XUSC.TO | XTOT.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 | 3.66 | 3.21 | +0.45 |
| Martin ratioReturn relative to average drawdown | 13.42 | 10.99 | +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
| XUSC.TO | XTOT.TO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.43 | 2.35 | +0.09 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.27 | 2.31 | -1.04 |
Drawdowns
XUSC.TO vs. XTOT.TO - Drawdown Comparison
The maximum XUSC.TO drawdown since its inception was -18.31%, which is greater than XTOT.TO's maximum drawdown of -9.64%. Use the drawdown chart below to compare losses from any high point for XUSC.TO and XTOT.TO.
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Drawdown Indicators
| XUSC.TO | XTOT.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.31% | -9.64% | -8.67% |
Max Drawdown (1Y)Largest decline over 1 year | -7.60% | -9.64% | +2.04% |
Current DrawdownCurrent decline from peak | 0.00% | -0.54% | +0.54% |
Average DrawdownAverage peak-to-trough decline | -2.67% | -1.83% | -0.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.07% | 2.81% | -0.74% |
Volatility
XUSC.TO vs. XTOT.TO - Volatility Comparison
The current volatility for iShares S&P 500 3% Capped Index ETF (CAD Units) (XUSC.TO) is 2.61%, while iShares Core S&P Total U.S. Stock Market Index ETF (XTOT.TO) has a volatility of 4.41%. This indicates that XUSC.TO experiences smaller price fluctuations and is considered to be less risky than XTOT.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XUSC.TO | XTOT.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.61% | 4.41% | -1.80% |
Volatility (6M)Calculated over the trailing 6-month period | 8.51% | 9.77% | -1.26% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.46% | 13.20% | -1.74% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.72% | 13.14% | +2.58% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.72% | 13.14% | +2.58% |
XUSC.TO vs. XTOT.TO - Expense Ratio Comparison
XUSC.TO has a 0.12% expense ratio, which is higher than XTOT.TO's 0.07% 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
XUSC.TO vs. XTOT.TO - Dividend Comparison
XUSC.TO's dividend yield for the trailing twelve months is around 0.84%, more than XTOT.TO's 0.61% 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
XUSC.TO and XTOT.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.
XUSC.TO tracks S&P 500 3% Capped Index, while XTOT.TO tracks S&P Total Market Index. Their fees differ too: 0.12% for XUSC.TO and 0.07% for XTOT.TO.
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