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, Finance, and Banks, while XTR leans towards Finance, 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 4.62% year-to-date with +$57 M in net flows, whereas XTR is at 9.34% with -$15 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 | $368.30 M | $376.31 M |
| Management Fees | 0.29% | 0.55% |
| Exp. ratio | 0.32% | 0.60% |
| Tracking Difference | - | - |
Historical performance and flows
As of July 30, 2026
| 1M | 3M | YTD | 1Y | 3Y | ||
|---|---|---|---|---|---|---|
| Perf. | VRIF | -0.65% | +2.49% | +4.62% | +9.79% | +33.17% |
XTR | +1.30% | +4.63% | +9.34% | +14.18% | +38.78% | |
| Flows | VRIF | +$10 M | +$17 M | +$57 M | +$69 M | +$13 M |
XTR | -$6 M | -$7 M | -$15 M | -$14 M | -$125 M |
VRIF vs XTR exposure
Countries
VRIF
Canada
47.11%
Other
22.01%
USA
11.93%
Other
18.95%
XTR
Canada
52.66%
USA
31.11%
Other
13.32%
Sectors
VRIF
Other
22.01%
Sovereign
10.00%
Finance
8.26%
Banks
7.27%
Other
52.46%
XTR
Other
13.32%
Finance
12.76%
Energy
8.15%
Sovereign
7.58%
Other
58.19%
As of July 30, 2026
Top 10 Holdings
VRIF
Royal Bank of Canada
0.75%
The Toronto-Dominion Bank
0.53%
NVIDIA Corp.
0.50%
Apple, Inc.
0.46%
CA135087T792
0.45%
Taiwan Semiconductor Manufacturing Co., Ltd.
0.44%
Samsung Electronics Co., Ltd.
0.39%
CA135087T537
0.39%
CA135087T388
0.38%
CA135087U287
0.37%
XTR
Canada, Bonds 3.5% 1dec2057, CAD
1.58%
Royal Bank of Canada
1.47%
Bank of Montreal
1.40%
Exxon Mobil Corp.
1.29%
The Toronto-Dominion Bank
1.25%
AbbVie, Inc.
1.15%
Canada, Bond 2 1jan2051 30Y
1.14%
The Bank of Nova Scotia
1.12%
Canada, Bonds 2.75% 1dec2055, CAD
1.12%
Canadian Imperial Bank of Commerce
1.06%
Diversification
VRIF
Total weight of top 10 holdings out of 33,352 total
4.66%
XTR
Total weight of top 10 holdings out of 10,108 total
12.57%
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% | 3.84% |
| 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 July 30, 2026, VRIF has returned 4.62% year to date, while XTR has returned 9.34%. XTR is ahead on YTD performance.
Which ETF is larger by assets under management: VRIF or XTR?
As of July 30, 2026, VRIF manages $368.30 M in assets, while XTR manages $376.31 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, Finance, and Banks. XTR is most exposed to Finance, Energy, and Sovereign.
Which ETF is attracting more investor flows: VRIF or XTR?
Year to date, VRIF has seen +$56.83 M in net flows, compared with -$14.52 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 Bank of Canada and The Toronto-Dominion Bank. XTR's top holdings include Canada, Bonds 3.5% 1dec2057, CAD and Royal Bank of Canada.
Which ETF is more diversified: VRIF or XTR?
VRIF holds 25145 securities, while XTR holds 8158. On holdings count, VRIF is the more diversified portfolio.
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