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 Finance, Sovereign, and Energy, while XTR leans towards Finance, Energy, and Utilities. When evaluating costs, VRIF features a management fee (MER) of 0.29%, compared to 0.55% for XTR. Performance-wise, VRIF has returned 4.32% year-to-date with +$65 M in net flows, whereas XTR is at 9.19% with -$18 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 | $371.98 M | $368.44 M |
| Management Fees | 0.29% | 0.55% |
| Exp. ratio | 0.32% | 0.60% |
| Tracking Difference | - | - |
Historical performance and flows
As of October 29, 2026
| 1M | 3M | YTD | 1Y | 3Y | ||
|---|---|---|---|---|---|---|
| Perf. | VRIF | +0.28% | +0.29% | +4.32% | +4.41% | +38.28% |
XTR | +2.18% | +0.03% | +9.19% | +10.75% | +43.72% | |
| Flows | VRIF | -$0 M | +$9 M | +$65 M | +$73 M | +$35 M |
XTR | -$2 M | -$4 M | -$18 M | -$15 M | -$116 M |
VRIF vs XTR exposure
Countries
VRIF
Canada
60.37%
USA
16.04%
Other
23.59%
XTR
Canada
49.82%
USA
37.92%
Other
12.26%
Sectors
VRIF
Finance
29.08%
Sovereign
14.05%
Energy
7.62%
Municipal
7.47%
Technology
7.18%
Other
34.61%
XTR
Finance
28.89%
Energy
12.73%
Utilities
8.68%
Consumer Non-Cyclicals
7.02%
Other
42.68%
As of October 29, 2026
Top 10 Holdings
VRIF
Royal Bank of Canada
0.71%
NVIDIA Corp.
0.56%
Apple, Inc.
0.52%
The Toronto-Dominion Bank
0.50%
Shopify, Inc.
0.47%
Canada, Bonds 2.75% 1mar2031, CAD
0.44%
Samsung Electronics Co., Ltd.
0.44%
Canada, Bonds 3% 1sep2031, CAD
0.42%
Microsoft Corp.
0.41%
Canada, Bonds 3.25% 1dec2035, CAD
0.36%
XTR
CA46430D1042
19.79%
CA46430K1084
17.14%
CA46434Y1043
12.57%
CA46431L1132
8.42%
CA46431X1096
7.57%
CA46430W1023
6.98%
CA46433N1096
6.93%
CA46434T1057
6.55%
CA46430M1041
6.47%
CA46429Q1081
3.94%
Diversification
VRIF
Total weight of top 10 holdings out of 29,900 total
4.81%
XTR
Total weight of top 10 holdings out of 11,289 total
96.35%
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 | 3.86% | 3.88% |
| 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 October 29, 2026, VRIF has returned 4.32% year to date, while XTR has returned 9.19%. XTR is ahead on YTD performance.
Which ETF is larger by assets under management: VRIF or XTR?
As of October 29, 2026, VRIF manages $371.98 M in assets, while XTR manages $368.44 M. VRIF 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.
Which ETF is more diversified: VRIF or XTR?
VRIF holds 24799 securities, while XTR holds 1. On holdings count, VRIF is the more diversified portfolio.
Which ETF is attracting more investor flows: VRIF or XTR?
Year to date, VRIF has seen +$65.22 M in net flows, compared with -$18.20 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 sectors do VRIF and XTR emphasize?
VRIF is most exposed to Finance, Sovereign, and Energy. XTR is most exposed to Finance, Energy, and Utilities.
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