VTI — Vanguard Morningstar Total Stock Market ETF
US Large Cap Blend Ranked #45 of 458 tracked ETFs · Issued by Vanguard
VTI Price Performance — Growth of $10,000
Value of a $10,000 investment in VTI over time, compared with SPY. Both lines are rebased to $10,000 on the first shared date. Based on total returns — prices are adjusted for dividends and splits, so this assumes distributions were reinvested. Hover or tap the chart for exact values.
VTI Drawdown
The "underwater" chart: VTI's decline from its highest prior value at each point in time. It shows how deep past losses ran and how long the fund took to recover to break-even.
What If You'd Invested in VTI?
See what a lump sum in VTI would have grown to, with the option to add a regular monthly contribution on top. Figures use total returns — dividends are assumed reinvested.
Past performance doesn't predict future results. Assumes contributions on the first trading day of each month, no trading costs or taxes, and reinvested distributions. History is limited to the range published in the site's daily return data.
Overview
VTI is a Vanguard ETF that tracks the US large cap blend market, making it a broad and diversified investment vehicle. With an overall rank of #45 out of 458 tracked ETFs, VTI is positioned in the middle of the pack. The fund has an expense ratio of just 0.03%, which is very low, indicating efficient management. It also offers a modest dividend yield of 0.74%, providing a small but steady income stream for investors. The fund's price of $378.24 and assets under management (AUM) of $2290B suggest strong investor adoption, as the fund is both expensive and holds a significant market share.
Over the past year, VTI has delivered a strong return of 21.93%, with a 3-year return of 78.85%, indicating a robust performance trajectory. The 1-month return of +3.72% and the 3-month return of +3.90% suggest a steady upward trend. However, the 1-week return of -1.46% shows some short-term volatility, which is not uncommon for equity funds. The 1-day return of +0.44% further supports the idea of a generally positive but somewhat bumpy short-term performance. The long-term returns, especially the 3-year and 6-month figures, indicate a consistent upward trend, suggesting that the fund has been performing well over the longer term.
VTI is labeled as having low volatility, which suggests that it is less susceptible to market fluctuations compared to more volatile funds. Its beta of 1.03 indicates that the fund's price tends to move in line with the overall market, making it a relatively stable investment. The Sharpe ratio of 1.29 is quite high, indicating that the fund provides a good risk-adjusted return, meaning that the returns are higher than the risk taken. The maximum drawdown of -19.30% shows that the fund has experienced a significant decline in value, but it is still within a reasonable range for a diversified equity fund. Overall, these figures suggest that VTI is a balanced investment with moderate risk and potential for steady returns, suitable for investors looking for a low-volatility, market-aligned equity fund.
AI-generated summary based on the data on this page.
VTI Top Holdings
| # | Holding | % of Net Assets | Value |
|---|---|---|---|
| 1 | NVIDIA Corp | 6.42% | $128B |
| 2 | Apple Inc | 5.94% | $118B |
| 3 | Microsoft Corp | 4.38% | $87.3B |
| 4 | Amazon.com Inc | 3.21% | $63.9B |
| 5 | Alphabet Inc | 2.67% | $53.2B |
| 6 | Broadcom Inc | 2.34% | $46.6B |
| 7 | Alphabet Inc | 2.11% | $42.1B |
| 8 | Meta Platforms Inc | 2.00% | $39.7B |
| 9 | Tesla Inc | 1.67% | $33.2B |
| 10 | Berkshire Hathaway Inc | 1.37% | $27.2B |
Holdings as of 2026-03-31 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 32.1% of net assets — a rough gauge of concentration risk (the higher this figure, the more the fund's return depends on a handful of names). To see how VTI's holdings overlap with other ETFs you own or are considering, check the Stock Overlap tool.
Which Funds Overlap With VTI
Holding two funds that own the same companies adds cost and complexity without adding much diversification. These tracked ETFs share the most names with VTI's top 10 — VOO overlaps most, holding 9 of the same companies as VTI's top 10 (32.1% of VTI's assets).
| ETF | Name | Shared Companies | VTI Weight | Examples |
|---|---|---|---|---|
| VOO | Vanguard S&P 500 ETF | 9 | 32.1% | NVIDIA Corp, Apple Inc, Alphabet Inc… |
| IVV | iShares Core S&P 500 ETF | 9 | 32.1% | NVIDIA Corp, Apple Inc, Microsoft Corp… |
| XYLD | Global X S&P 500 Covered Call ETF | 9 | 32.1% | NVIDIA Corp, Apple Inc, Alphabet Inc… |
| VV | Vanguard Morningstar Large-Cap ETF | 9 | 32.1% | NVIDIA Corp, Apple Inc, Alphabet Inc… |
| SPTM | State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF | 9 | 32.1% | NVIDIA Corp, Apple Inc, Alphabet Inc… |
Compares the top 10 reported holdings of each fund, so it's a floor on true overlap — two S&P 500 trackers overlap ~100% even when only 10 names are listed. Use the Stock Overlap tool to search by individual company.
Market Backdrop
10-Year Treasury Yield: 4.69% (as of 2026-08-20) — The yield on 10-year US Treasury bonds — the standard "risk-free rate" benchmark used to contextualize this fund’s Sharpe ratio and returns.
CBOE Volatility Index (VIX): 16.01 (as of 2026-08-20) — A real-time gauge of expected S&P 500 volatility over the next 30 days — useful context for this fund’s own volatility label.
Federal Funds Rate: 3.63% (as of 2026-07-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.
What VTI's Fees Cost You
VTI charges an expense ratio of 0.03% a year, deducted automatically from the fund's value. Small percentages compound into real money — adjust the figures below to see the impact on your own numbers.
Assumes a constant gross return and no additional contributions — a simplification, but it isolates exactly what the expense ratio costs. Try the full fee calculator to model contributions and compare any two funds.
VTI Dividend Income Estimator
VTI currently yields 0.74%. Enter an amount to see the income that implies, or set a monthly income target to see the investment it would take.
Based on the fund's current trailing yield, which varies with price and distributions — treat it as an estimate, not a guarantee. Yields are not adjusted for tax.
See it in a portfolio
VTI is one of the twelve funds in the portfolio game. Start with 25% of a virtual $10,000 in it, build the rest however you like, and the builder shows the range this mix has actually produced over every five-day stretch of the last three years — before you commit to anything.
Free, no sign-up, virtual money only.
VTI Liquidity, Domicile & Tax Treatment
Liquidity: Quoted bid/ask spread is — and average daily volume is 3.4M/day. Tighter spreads and higher volume mean lower round-trip trading costs; this is a live-market snapshot and can widen during volatile sessions. AUM of $2290B provides ample scale, supporting tight spreads and issuer commitment to keep the fund open.
Domicile & tax treatment: VTI is a US-domiciled, SEC-registered ('40 Act) exchange-traded fund. Dividends and capital gains distributions are reported to US investors on Form 1099-DIV, and the fund is not subject to the PFIC reporting or UCITS-specific rules that apply to Irish- or Luxembourg-domiciled funds. Non-US investors should note that US-domiciled ETFs are generally subject to 30% US withholding tax on dividends (unless reduced by treaty) and to US estate tax exposure on the position — Irish-domiciled UCITS ETFs tracking the same index often avoid both, which is why non-US residents frequently prefer the UCITS equivalent where one exists. This is general information, not tax advice — consult a tax professional for your situation.
VTI Performance History
| Period | Return |
|---|---|
| 1-Day | +0.44% |
| 1-Week | -1.46% |
| 1-Month | +3.72% |
| 3-Month | +3.90% |
| 6-Month | +11.83% |
| YTD | +13.14% |
| 1-Year | +21.93% |
| 3-Year | +78.85% |
How VTI Compares to Other US Large Cap Blend ETFs
| Rank | Grade | Ticker | Name | 1-Year | Exp. Ratio | AUM |
|---|---|---|---|---|---|---|
| #8 | B+ |
FNDX | Schwab Fundamental U.S. Large Company ETF | +30.51% | 0.25% | $26.8B |
| #38 | B+ |
AVUS | Avantis US Equity ETF | +26.43% | 0.15% | $13.9B |
| #40 | B+ |
VOO | Vanguard S&P 500 ETF | +21.39% | 0.03% | $1687B |
| #43 | B+ |
IVV | iShares Core S&P 500 ETF | +21.41% | 0.03% | $869B |
| #45 | B+ |
VTI | Vanguard Morningstar Total Stock Market ETF | +21.93% | 0.03% | $2290B |
| #46 | B |
DFAC | Dimensional U.S. Core Equity 2 ETF | +24.07% | 0.17% | $47.9B |
| #49 | B |
ITOT | iShares Core S&P Total U.S. Stock Market ETF | +21.84% | 0.03% | $94.3B |
| #52 | B |
SPY | State Street SPDR S&P 500 ETF Trust | +21.33% | 0.0945% | $795B |
| #63 | B |
VV | Vanguard Morningstar Large-Cap ETF | +21.12% | 0.03% | $74.0B |
| #66 | B |
SCHB | Schwab U.S. Broad Market ETF | +21.74% | 0.03% | $43.3B |
| #69 | B |
SCHX | Schwab U.S. Large-Cap ETF | +20.95% | 0.03% | $71.8B |
| #83 | B |
SPTM | State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF | +21.62% | 0.03% | $13.6B |
| #85 | B |
RSP | Invesco S&P 500 Equal Weight ETF | +20.82% | 0.2% | $97.3B |
| #92 | B |
DFUS | Dimensional U.S. Equity Market ETF | +21.92% | 0.09% | $20.9B |
| #95 | B |
IWB | iShares Russell 1000 ETF | +21.05% | 0.15% | $48.3B |
| #110 | B |
IWV | iShares Russell 3000 ETF | +21.64% | 0.2% | $19.6B |
| #112 | B |
VONE | Vanguard Russell 1000 Index Fund ETF Shares | +21.15% | 0.06% | $11.5B |
| #119 | B |
VTHR | Vanguard Russell 3000 Index Fund ETF Shares | +21.82% | 0.06% | $6.10B |
| #152 | B |
ILCB | iShares Morningstar U.S. Equity ETF | +21.32% | 0.03% | $1.27B |