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 2.36% year-to-date with +$39 M in net flows, whereas XTR is at 4.03% with -$7 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 | $346.69 M | $368.74 M |
| Management Fees | 0.29% | 0.55% |
| Exp. ratio | 0.32% | 0.60% |
| Tracking Difference | - | - |
Historical performance and flows
As of April 28, 2026
| 1M | 3M | YTD | 1Y | 3Y | ||
|---|---|---|---|---|---|---|
| Perf. | VRIF | +2.80% | +0.65% | +2.36% | +11.70% | +30.22% |
XTR | +1.66% | +2.62% | +4.03% | +12.67% | +29.94% | |
| Flows | VRIF | +$8 M | +$29 M | +$39 M | +$57 M | -$7 M |
XTR | -$1 M | -$1 M | -$7 M | -$8 M | -$131 M |
VRIF vs XTR exposure
Countries
VRIF
Canada
66.57%
USA
13.14%
Other
20.29%
XTR
Canada
51.84%
USA
42.60%
Sectors
VRIF
Other
18.99%
Sovereign
11.02%
Banks
8.98%
Municipal
7.41%
Other
53.60%
XTR
Other
14.68%
Financials
9.74%
Energy
7.93%
Other
67.64%
As of April 28, 2026
Top 10 Holdings
VRIF
ROYAL BK CANADA
0.63%
NVIDIA
0.47%
APPLE
0.44%
TORONTO DOMINION
0.43%
TWN SEMICONT MAN
0.43%
SHOPIFY SUBORDINATE VOTING
0.40%
CA135087T537
0.39%
CA135087T792
0.39%
CA135087T388
0.36%
Canada, Bonds 3.25% 1jun2035, CAD
0.35%
XTR
EXXON
1.38%
Canada, Bonds 3.5% 1dec2057, CAD
1.19%
Canada, Bond 2 1jan2051 30Y
1.03%
CHEVRON TEXACO
1.02%
Canada, Bonds 2.75% 1dec2055, CAD
1.01%
SUNCOR ENERGY
0.92%
JOHNSON&JOHNSON
0.90%
ROYAL BK CANADA
0.89%
ENBRIDGE
0.88%
TORONTO DOMINION
0.88%
Diversification
VRIF
Total weight of top 10 holdings out of 33,229 total
4.30%
XTR
Total weight of top 10 holdings out of 7,717 total
10.11%
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 | 3.77% | 4.00% |
| 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 April 28, 2026, VRIF has returned 2.36% year to date, while XTR has returned 4.03%. XTR is ahead on YTD performance.
Which ETF is larger by assets under management: VRIF or XTR?
As of April 28, 2026, VRIF manages $346.69 M in assets, while XTR manages $368.74 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 +$39.48 M in net flows, compared with -$7.10 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 EXXON and Canada, Bonds 3.5% 1dec2057, CAD.
Which ETF is more diversified: VRIF or XTR?
VRIF holds 24827 securities, while XTR holds 6100. On holdings count, VRIF is the more diversified portfolio.
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