What is the cost difference between JQUA and VTI and how does it impact returns?

JQUA has an expense ratio of 0.12%, while VTI’s is lower at 0.03%, creating a difference of 0.09 percentage points. While this difference may seem minor, fees directly reduce net returns over time. Over many years of compounding, even a small cost gap can influence total portfolio growth. Lower expenses generally allow more returns to remain in the investor's pocket, though it is essential to consider this alongside other fund characteristics.

What are the main advantages and disadvantages of VTI?

VTI offers an exceptionally low expense ratio of 0.03% and holds $692.2 billion in assets, suggesting high liquidity. It provides broad US equity exposure across large-cap stocks. However, its top holdings are heavily concentrated in mega-cap technology and growth names, which increases sector concentration risk. Additionally, specific sector weight data is not available in this dataset, limiting the ability to assess concentration further.

How do the top holdings of JQUA and VTI overlap?

Both funds share seven holdings within their top 10 positions: AAPL, MU, AVGO, MSFT, NVDA, META, and GOOGL. This overlap indicates that both JQUA and VTI have significant exposure to major technology and financial stocks. While the names are similar, the weighting may differ, reflecting JQUA's factor approach versus VTI's total market methodology.

What are the main advantages and disadvantages of JQUA?

JQUA offers cost-efficient access to quality US equities with a 0.12% expense ratio and benefits from a large $9.3 billion asset base for liquidity. Launched in 2017, it has an operational track record. However, it is pricier than ultra-low-fee benchmarks, and its quality factor methodology and sector weights are not available, reducing transparency and making it harder to assess concentration risks.

How do the dividend yields of these two funds compare?

JQUA currently offers a dividend yield of 1.05%, slightly higher than VTI’s 1.02%. For ETFs, distributions come from dividends and interest collected by the fund's underlying holdings. While a higher yield can provide more income, distributions are not guaranteed and can fluctuate. It is vital to look at the fund's overall total return potential and expense ratios rather than yield alone.

What does the difference in net assets imply for these funds?

VTI possesses $692.2 billion in net assets, while JQUA holds $9.3 billion. Both are substantial, but a larger fund typically has more trading activity, resulting in tighter bid-ask spreads and higher liquidity. This difference in scale affects operational efficiencies, but both fund sizes are large enough to reduce significant concerns about liquidity for general investors.

How does the index tracking of JQUA differ from VTI?

Both funds have an 'Index tracked' status marked as 'not available' in this specific dataset, preventing a direct comparison of their index methodologies. Generally, JQUA is a 'Large Blend' focused on a quality factor approach, whereas VTI is also a 'Large Blend' targeting the total US stock market. Without specific index details, it is difficult to assess the precise selection criteria used by each fund.

How do the fund inception dates differ for JQUA and VTI?

JQUA was established on November 8, 2017, offering an operational history of about nine years. In contrast, VTI launched significantly earlier on May 24, 2001, with an operational history of over 25 years. VTI's long history has covered more distinct economic cycles, while JQUA has been in existence for a shorter period.

What sector exposure can be inferred from the top holdings of both funds?

Since sector weights are 'not available', we must look at individual positions. Both funds hold several major tech companies, including NVDA, AAPL, MSFT, and AVGO, within their top 10. This suggests a high concentration in the technology sector for both. JQUA also holds XOM (energy) and V (financials) in its top 10, while VTI includes TSLA, indicating similar broad mega-cap market exposure.

Which investing goal are JQUA and VTI typically associated with?

Both are US equity funds, generally associated with long-term capital growth. VTI is typically used for a broad market exposure goal, seeking to match the performance of the entire US stock market. JQUA is typically used for a goal of accessing large-cap companies selected based on a quality factor, potentially appealing to investors who believe quality factors provide an advantage.

JQUA vs VTI

Two funds, one decision: we compare cost, performance and what each ETF actually holds in September 2026.

Compare the JP Morgan US Quality Factor ETF (JQUA) and the Vanguard Total Stock Market ETF (VTI) to understand how each fund tracks the market. This page reviews key data including expense ratios, net assets, dividend yields, and top holdings to highlight their similarities and differences. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

JQUA

Metric

VTI

0.12%

Expense Ratio

0.03%

1.05%

Dividend Yield

1.02%

$9.28B

Net Assets

$692.20B

312

Holdings

3,514

Nov 8, 2017

Inception Date

May 24, 2001

–

Index Tracked

–

Large Blend

Fund Category

Large Blend

VTI costs about $9.00 less per year for every $10,000 invested.

Shared Top Holdings

Holding	JQUA	VTI
AAPLApple Inc.	2.11%	6.30%
MUMicron Technology, Inc.	2.01%	1.46%
AVGOBroadcom Inc.	2.01%	2.37%
MSFTMicrosoft Corporation	1.99%	5.10%
NVDANVIDIA Corporation	1.94%	6.87%
METAMeta Platforms, Inc.	1.94%	1.70%
GOOGLAlphabet Inc.	1.87%	2.70%

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Investment Analysis

JQUA

Pros

Modest 0.12% expense ratio supports cost-efficient access to quality US equities.
Large $9.3 billion asset base may improve liquidity and reduce trading spreads.
Established fund launched in 2017, offering several years of operational track record.

Considerations

Higher 0.12% cost than the ultra-low-fee total-market benchmark.
Quality factor methodology and index details are not available, reducing transparency.
Sector weights are not available, making concentration risks harder to assess.

VTI

Pros

0.03% expense ratio is exceptionally low, enhancing net-of-fees returns.
Massive $692.2 billion in assets suggests strong liquidity and tight spreads.
Broad US equity exposure provides diversification across large-cap holdings.

Considerations

Top holdings concentrated in mega-cap technology and growth names.
Vanguard Total Stock Market index methodology is not available in this dataset.
Sector weights are not available, limiting insight into concentration.

About JQUA and VTI

JQUA (JQUA)

The JP Morgan US Quality Factor ETF (JQUA) is an exchange-traded fund designed to help investors gain exposure to high-quality US equities. With a Large Blend category, it targets companies exhibiting strong balance sheets, consistent earnings, and favourable cash flow characteristics. Since its inception in November 2017, the fund has grown significantly, managing net assets of USD 9.28 billion across 312 holdings. It offers a relatively low expense ratio of 0.12%, making it an accessible option for those seeking factor-based strategies without heavy costs. Investors receive a dividend yield of 1.05%, reflecting the fund's focus on mature, financially sound companies. As with any investment, values can rise and fall, and returns are not guaranteed, so understanding the underlying quality factors is essential for suitability.

VTI (VTI)

This ETF offers broad exposure to the US equity market by tracking a comprehensive index of publicly traded companies. Designed as a large blend fund, it holds thousands of individual stocks, ranging from massive multinational corporations to smaller domestic firms. With an ultra-low expense ratio of 0.03%, it aims to provide cost-efficient long-term growth potential. The fund has a dividend yield of approximately 1.02%, reflecting the aggregate distributions from its holdings. Investors often consider this vehicle for core portfolio diversification, though it is essential to remember that stock market investments carry inherent risks, and values can fluctuate. Past performance is not indicative of future results, and returns are not guaranteed.

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JQUA vs VTI

Fund Snapshot