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21 important things you should know about Vanguard VTI ETF

Updated: July 06, 2021
100
Bull Case
  • High net assets
  • 3-year return above the benchmark
  • 5-year return above the benchmark
  • 10-year return above the benchmark
  • 15-year return above the benchmark
  • Low expense ratio
Bear Case
  • No Bear case arguments for now!

Before we start: if you’re looking for VTI “stock” price, you can quickly find it out by visiting Finny and typing "VTI quote". If you’re looking for a quick scoop on VTI "stock" (price chart, key stats, buy or sell analysis and holdings), go to Finny and look for "VTI". You’ll get all this info in one place.

Are you looking to buy or sell VTI? Or perhaps you’re looking for VTI fact sheet, and learn about its alternatives? If so, you came to the right place.

In this VTI ETF review, we’ll address key questions our readers have been asking us about this fund, above and beyond what you can find in its prospectus, and on Morningstar or Yahoo Finance.

Here is what you’ll be able to find in this review:

  • Fact Sheet: VTI performance, returns, expense ratio, holdings and dividend yield;
  • Analysis: VTI buy or sell; the pros and cons of investing in VTI ETF;
  • Alternatives: other ETFs and mutual funds you should consider as alternatives to VTI.

And here is the list of questions we’ll answer:

  1. Describe Vanguard Total Stock Market ETF (VTI).
  2. What is VTI underlying index?
  3. What are VTI holdings?
  4. What is VTI performance? What are VTI historical returns?
  5. How many up and down years did VTI have historically?
  6. What is VTI dividend yield?
  7. What is VTI expense ratio?
  8. What is VTI tax efficiency (tax-cost ratio)?
  9. What is VTI beta? How would you assess VTI risk?
  10. What is VTI Finny Score? VTI buy or sell?
  11. What are the pros of investing in VTI? What are VTI buy reasons?
  12. What are the cons of investing in VTI? What are VTI sell reasons?
  13. Compare and contrast: VTI vs VOO.
  14. Compare and contrast: VTI vs SCHD.
  15. Compare and contrast: VTI vs VOT.
  16. Compare and contrast: VTI vs VOOG.
  17. Compare and contrast: VTI vs SCHG.
  18. Compare and contrast: VTI vs SCHK.
  19. Compare and contrast: VTI vs SCHX.
  20. Compare and contrast: VTI vs VBK.

So let’s start. Scroll down to the question that interests you the most.

Fact Sheet

1. Describe Vanguard Total Stock Market ETF (VTI).

The Fund seeks to track the performance of a benchmark index that measures the investment return of the overall stock market. The Fund employs an indexing investment approach to track the performance of the CRSP US Total Market Index. The Fund invests by holding a collection of securities that approximates the Index.

2. What is VTI underlying index?

CRSP US Total Market Index.

3. What are VTI top holdings?

VTI has 3,781 stock holdings and 1 bond holdings.

The top 10 holdings represent 22.98% of total assets. Here are the top holdings:

Name Symbol % Assets
Apple Inc AAPL 5.16%
Microsoft Corp MSFT 4.72%
Amazon.com Inc AMZN 3.98%
Facebook Inc A FB 1.95%
Alphabet Inc A GOOGL 1.50%
Alphabet Inc Class C GOOG 1.41%
Berkshire Hathaway Inc Class B BRK.B 1.16%
Johnson & Johnson JNJ 1.11%
Procter & Gamble Co PG 1.05%
Visa Inc Class A V 0.94%

4. What is VTI performance? What are VTI historical returns?

VTI has generated the following returns:

  • 1-month return is 3.43%;
  • 3-month return is 7.97%;
  • 1-year return is 44.58%;
  • 3-year return is 19.07%;
  • 5-year return is 18.11%;
  • 10-year return is 14.66%;
  • 15-year return is 10.97%.

5. How many up and down years did VTI have historically?

In the last 10 years, VTI had 9 up years and 1 down year.

VTI up and down years

6. What is VTI dividend yield?

VTI yield is 1.3%.

7. What is VTI expense ratio?

VTI expense ratio is 0.03%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses.

VTI expenses

8. What is VTI tax efficiency (tax-cost ratio)?

  • 1-year ax cost ratio is 0.35%;
  • 3-year ax cost ratio is 0.57%.
VTI tax costs

9. What is VTI beta? How would you assess VTI risk?

  • 3-year beta is 1.04;
  • 5-year beta is 1.04;
  • 10-year beta is 1.04;
  • 15-year beta is 1.03.
VTI Beta

Analysis

10. What is Finny Score? buy or sell?

Finny Score is 100. Our quantitative analysis shows 6 reasons to buy and 0 reasons to sell it, resulting in the Finny Score of 100.

11. What are the pros of investing in VTI? What are VTI buy reasons?

The following are VTI strengths from our perspective:

  • VTI net assets are $252.63 billion. This fund is a popular choice with retail and institutional investors.
  • VTI 3-year return is 19.07%, which is higher than the 3-year return of the benchmark index (S&P 500 TR USD), 19.06%.
  • VTI 5-year return is 18.11%, which is higher than the 5-year return of the benchmark index (S&P 500 TR USD), 17.9%.
  • VTI 10-year return is 14.66%, which is in line with the 10-year return of the benchmark index (S&P 500 TR USD), 14.82%.
  • VTI 15-year return is 10.97%, which is higher than the 15-year return of the benchmark index (S&P 500 TR USD), 10.82%.
  • VTI expense ratio is 0.03%, which is considered low. Nice job picking a low-cost fund.

12. What are the cons of investing in VTI? What are VTI negatives?

There are no visible red flags.

Alternatives

13. Compare and contrast: VTI vs VOO.

Both VTI and VOO are ETFs. VTI has a higher 5-year return than VOO (18.11% vs 17.86%). VTI and VOO have the same expense ratio (0.03%). Below is the comparison between VTI and VOO.

VTI VOO
Segment Equity: U.S. - Total Market Equity: U.S. - Large Cap
Net Assets $252.63B $232.65B
Expense Ratio 0.03% 0.03%
Management Style passive (index-based) passive (index-based)
Underlying Index CRSP US Total Market Index S&P 500
YTD Return 16.47% 16.82%
1-Year Return 44.58% 41.16%
3-Year Return 19.07% 19.04%
5-Year Return 18.11% 17.86%
10-Year Return 14.66% 14.78%
Dividend Yield 1.3% 1.4%

VOO profile: The Fund seeks to track the performance of its benchmark index, the S&P 500. The Fund employs an indexing investment approach. The Fund attempts to replicate the target index by investing all of its assets in the stocks that make up the Index with the same approximate weightings as the Index.

For further information, check out VTI vs VOO comparison details.

14. Compare and contrast: VTI vs SCHD.

Both VTI and SCHD are ETFs. VTI has a higher 5-year return than SCHD (18.11% vs 16.48%). VTI has a lower expense ratio than SCHD (0.03% vs 0.06%). Below is the comparison between VTI and SCHD.

VTI SCHD
Segment Equity: U.S. - Total Market Equity: U.S. - High Dividend Yield
Net Assets $252.63B $26.00B
Expense Ratio 0.03% 0.06%
Management Style passive (index-based) passive (index-based)
Underlying Index CRSP US Total Market Index Dow Jones U.S. Dividend 100 Index
YTD Return 16.47% 20.3%
1-Year Return 44.58% 52.21%
3-Year Return 19.07% 19.52%
5-Year Return 18.11% 16.48%
10-Year Return 14.66% N/A
Dividend Yield 1.3% 2.81%

SCHD profile: The Fund seeks to track the total return of the Dow Jones U.S. Dividend 100 Index. The Index is designed to measure the stock performance of high dividend yielding U.S. companies with a record of consistently paying dividends, selected for fundamental strength relative to their peers, based on financial ratios.

For further information, check out VTI vs SCHD comparison details.

15. Compare and contrast: VTI vs VOT.

Both VTI and VOT are ETFs. VTI has a lower 5-year return than VOT (18.11% vs 19.24%). VTI has a lower expense ratio than VOT (0.03% vs 0.07%). Below is the comparison between VTI and VOT.

VTI VOT
Segment Equity: U.S. - Total Market Equity: U.S. - Mid Cap Growth
Net Assets $252.63B $11.22B
Expense Ratio 0.03% 0.07%
Management Style passive (index-based) passive (index-based)
Underlying Index CRSP US Total Market Index CRSP US Mid Cap Growth Index
YTD Return 16.47% 12.19%
1-Year Return 44.58% 42.61%
3-Year Return 19.07% 21.71%
5-Year Return 18.11% 19.24%
10-Year Return 14.66% 14.01%
Dividend Yield 1.3% N/A

VOT profile: The Fund seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization growth stocks. The Fund employs an indexing investment approach designed to track the performance of the CRSP US Mid Cap Growth Index, as it invest all of its assets in the stocks that makes up the Index.

For further information, check out VTI vs VOT comparison details.

16. Compare and contrast: VTI vs VOOG.

Both VTI and VOOG are ETFs. VTI has a lower 5-year return than VOOG (18.11% vs 21.99%). VTI has a lower expense ratio than VOOG (0.03% vs 0.1%). Below is the comparison between VTI and VOOG.

VTI VOOG
Segment Equity: U.S. - Total Market Equity: U.S. - Large Cap Growth
Net Assets $252.63B $5.99B
Expense Ratio 0.03% 0.1%
Management Style passive (index-based) passive (index-based)
Underlying Index CRSP US Total Market Index S&P 500 Growth Index
YTD Return 16.47% 16.22%
1-Year Return 44.58% 41.49%
3-Year Return 19.07% 23.4%
5-Year Return 18.11% 21.99%
10-Year Return 14.66% 17.13%
Dividend Yield 1.3% 0.78%

VOOG profile: The Fund seeks to track the performance of benchmark index that measures the investment return of large-capitalization growth stocks in the United States. The Fund employs a "passive management" or indexing investment approach designed to track the performance of the S&P 500 Growth Index.

For further information, check out VTI vs VOOG comparison details.

17. Compare and contrast: VTI vs SCHG.

Both VTI and SCHG are ETFs. VTI has a lower 5-year return than SCHG (18.11% vs 24.12%). VTI has a lower expense ratio than SCHG (0.03% vs 0.04%). Below is the comparison between VTI and SCHG.

VTI SCHG
Segment Equity: U.S. - Total Market Equity: U.S. - Large Cap Growth
Net Assets $252.63B $15.16B
Expense Ratio 0.03% 0.04%
Management Style passive (index-based) passive (index-based)
Underlying Index CRSP US Total Market Index Dow Jones U.S. Large Cap Growth Total Stock Market Index
YTD Return 16.47% 15.69%
1-Year Return 44.58% 44.25%
3-Year Return 19.07% 25.94%
5-Year Return 18.11% 24.12%
10-Year Return 14.66% 17.72%
Dividend Yield 1.3% 0.46%

SCHG profile: The Fund seeks to track as closely as possible the total return of the Dow Jones U.S. Large-Cap Growth Total Stock Market Index. Under normal circumstances, the Fund will invest at least 90% of its net assets in stocks that are included in the underlying index.

For further information, check out VTI vs SCHG comparison details.

18. Compare and contrast: VTI vs SCHK.

VTI is an ETF, whereas SCHK is a mutual fund. VTI has a lower expense ratio than SCHK (0.03% vs 0.05%). Below is the comparison between VTI and SCHK.

VTI SCHK
Segment Equity: U.S. - Total Market
Net Assets $252.63B $1.92B
Expense Ratio 0.03% 0.05%
Management Style passive (index-based) N/A
Underlying Index CRSP US Total Market Index N/A
YTD Return 16.47% 16.06%
1-Year Return 44.58% 8.47%
3-Year Return 19.07% 19.24%
5-Year Return 18.11% N/A
10-Year Return 14.66% N/A
Dividend Yield 1.3% 1.33%

SCHK profile: The Fund seeks to track as closely as possible, before fees and expenses, the total return of the Schwab 1000 Index. The Index is a float-adjusted market capitalization weighted index that includes the 1,000 largest stocks of publicly traded companies in the US, with size being determined by market capitalization.

For further information, check out VTI vs SCHK comparison details.

19. Compare and contrast: VTI vs SCHX.

Both VTI and SCHX are ETFs. VTI has a lower 5-year return than SCHX (18.11% vs 18.31%). VTI and SCHX have the same expense ratio (0.03%). Below is the comparison between VTI and SCHX.

VTI SCHX
Segment Equity: U.S. - Total Market Equity: U.S. - Large Cap
Net Assets $252.63B $30.89B
Expense Ratio 0.03% 0.03%
Management Style passive (index-based) passive (index-based)
Underlying Index CRSP US Total Market Index Dow Jones U.S. Large Cap Total Stock Market Index
YTD Return 16.47% 16.45%
1-Year Return 44.58% 42.84%
3-Year Return 19.07% 19.59%
5-Year Return 18.11% 18.31%
10-Year Return 14.66% 14.86%
Dividend Yield 1.3% 1.42%

SCHX profile: The Fund seeks exposure to large-cap U.S. companies. It seeks investment results that track the performance, before fees and expense, of the Dow Jones U.S. Large-Cap Total Stock Market Index made up of approximately the largest 750 U.S. stocks.

For further information, check out VTI vs SCHX comparison details.

20. Compare and contrast: VTI vs VBK.

Both VTI and VBK are ETFs. VTI has a lower 5-year return than VBK (18.11% vs 19.35%). VTI has a lower expense ratio than VBK (0.03% vs 0.07%). Below is the comparison between VTI and VBK.

VTI VBK
Segment Equity: U.S. - Total Market Equity: U.S. - Small Cap Growth
Net Assets $252.63B $16.14B
Expense Ratio 0.03% 0.07%
Management Style passive (index-based) passive (index-based)
Underlying Index CRSP US Total Market Index CRSP US Small Cap Growth Index
YTD Return 16.47% 8.68%
1-Year Return 44.58% 44.81%
3-Year Return 19.07% 18.71%
5-Year Return 18.11% 19.35%
10-Year Return 14.66% 13.71%
Dividend Yield 1.3% 0.41%

VBK profile: The Fund seeks to track the performance of a benchmark index that measures the investment return of small-capitalization growth stocks. The Fund employs an indexing investment approach designed to track the performance of CRSP US Small Cap Growth Index by investing all of its assets in the stocks that make up the Index.

For further information, check out VTI vs VBK comparison details.

In the VTI review, we covered VTI key stats (return, performance, yield, expense ratio, and holdings), buy and sell analysis, and alternative investments. If this review was helpful to you, feel free to check out other mutual fund and ETF reviews.
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