VS
Vanguard Retirement Income ETF Portfolio (VRIF) and iShares Diversified Monthly Income ETF (XTR) offer distinct profiles for Canadian ETF investors. A direct comparison shows that VRIF focuses its top 3 sector exposures on Sovereign, Banks, and Municipal, while XTR leans towards Financials, Energy, and Sovereign. When evaluating costs, VRIF features a management fee (MER) of 0.29%, compared to 0.55% for XTR. Performance-wise, VRIF has returned 4.98% year-to-date with +$45 M in net flows, whereas XTR is at 7.31% with -$8 M. Use the comparison tool below to benchmark these funds across top 10 holdings, yield, sector weights and historical returns.
NAV Performance and Flows
Key Data
Compare
VRIF
XTR
| AuM | $358.72 M | $377.86 M |
| Management Fees | 0.29% | 0.55% |
| Exp. ratio | 0.32% | 0.60% |
| Tracking Difference | - | - |
Historical performance and flows
As of June 12, 2026
| 1M | 3M | YTD | 1Y | 3Y | ||
|---|---|---|---|---|---|---|
| Perf. | VRIF | +1.89% | +4.77% | +4.98% | +11.77% | +35.15% |
XTR | +2.52% | +5.07% | +7.31% | +13.71% | +37.77% | |
| Flows | VRIF | +$4 M | +$13 M | +$45 M | +$58 M | -$3 M |
XTR | +$0 M | -$2 M | -$8 M | -$8 M | -$127 M |
VRIF vs XTR exposure
Countries
VRIF
Canada
66.69%
USA
12.74%
Other
20.57%
XTR
Canada
56.09%
USA
34.56%
Other
9.35%
Sectors
VRIF
Other
20.63%
Sovereign
10.62%
Banks
8.49%
Municipal
7.36%
Other
52.90%
XTR
Other
13.39%
Financials
12.67%
Energy
7.96%
Other
65.98%
As of June 12, 2026
Top 10 Holdings
VRIF
ROYAL BK CANADA
0.64%
NVIDIA
0.50%
TORONTO DOMINION
0.46%
APPLE
0.43%
CA135087T537
0.40%
TWN SEMICONT MAN
0.38%
SHOPIFY SUBORDINATE VOTING
0.38%
CA135087T388
0.37%
CA135087T792
0.36%
Canada, Bonds 3.25% 1jun2035, CAD
0.35%
XTR
Canada, Bonds 3.5% 1dec2057, CAD
1.26%
EXXON
1.19%
ROYAL BK CANADA
1.12%
BANK OF MONTREAL
1.09%
TORONTO DOMINION
1.08%
CDN IMPERIAL BK
1.05%
Canada, Bond 2 1jan2051 30Y
1.02%
Canada, Bonds 2.75% 1dec2055, CAD
1.01%
BNS
0.95%
SUNCOR ENERGY
0.91%
Diversification
VRIF
Total weight of top 10 holdings out of 33,162 total
4.27%
XTR
Total weight of top 10 holdings out of 10,903 total
10.69%
Characteristics
Compare
VRIF
XTR
| Provider | Vanguard | iShares |
| Management | Actively managed | Actively managed |
| Benchmark | - | - |
| Replication Method | ||
| Asset Class | Equity, Fixed Income | Equity, Fixed Income |
| Dividend Policy | Distributing | Distributing |
| Trailing 12m distribution yield | 3.73% | 3.89% |
| Meets ESG criteria | No | No |
| Inception Date | September 9, 2020 | December 19, 2005 |
Frequently asked questions about VRIF and XTR
Which ETF has performed better year to date: VRIF or XTR?
As of June 12, 2026, VRIF has returned 4.98% year to date, while XTR has returned 7.31%. XTR is ahead on YTD performance.
Which ETF is larger by assets under management: VRIF or XTR?
As of June 12, 2026, VRIF manages $358.72 M in assets, while XTR manages $377.86 M. XTR is the larger fund by AUM.
How are VRIF and XTR managed?
VRIF is actively managed by Vanguard. It does not track an index. XTR is actively managed by iShares. It does not track an index.
What sectors do VRIF and XTR emphasize?
VRIF is most exposed to Sovereign, Banks, and Municipal. XTR is most exposed to Financials, Energy, and Sovereign.
Which ETF is attracting more investor flows: VRIF or XTR?
Year to date, VRIF has seen +$44.85 M in net flows, compared with -$8.29 M for XTR. VRIF has attracted more net investor money so far.
How do the fees of VRIF and XTR compare?
VRIF has an expense ratio of 0.32%, while XTR has an expense ratio of 0.60%.
What are the top holdings of VRIF and XTR?
VRIF's largest holdings include ROYAL BK CANADA and NVIDIA. XTR's top holdings include Canada, Bonds 3.5% 1dec2057, CAD and EXXON.
Which ETF is more diversified: VRIF or XTR?
VRIF holds 24629 securities, while XTR holds 8786. On holdings count, VRIF is the more diversified portfolio.
The ETF Market Canada is brought to you by Cboe in partnership with Trackinsight SA who is providing all the data, analysis and editorial content on this site. Unless explicitly stated as such, any information that you receive is not real-time.
All content on the ETF Market Canada is for your general information use only, Cboe is not responsible for any use of content by you outside this scope. In particular, the content does not constitute any form of advice, recommendation, representation, endorsement or arrangement by Cboe and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions.
All content on the ETF Market Canada is for your general information use only, Cboe is not responsible for any use of content by you outside this scope. In particular, the content does not constitute any form of advice, recommendation, representation, endorsement or arrangement by Cboe and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions.