VTI vs ITOT: which ETF is better?
Vanguard Morningstar Total Stock Market ETF (VTI) and iShares Core S&P Total U.S. Stock Market ETF (ITOT) compared on fees, holdings overlap, dividend yield, returns and risk, using the latest data.
- VTI and ITOT have very high overlap: 92% of each fund by weight sits in the same holdings.
- Both charge the same expense ratio, 0.03% a year.
- Over the last 10 years, VTI returned an average of 14.8% a year against 14.8% for ITOT, with dividends reinvested.
- Overlap by weight
- 91.8%
- Shared holdings
- 2,360
| VTI | ITOT | |
|---|---|---|
| Name | Vanguard Morningstar Total Stock Market ETF | iShares Core S&P Total U.S. Stock Market ETF |
| Issuer | Vanguard | IShares |
| Listed on | NYSE Arca · USD | NYSE Arca · USD |
| Expense ratio | 0.03% | 0.03% |
| Assets (AUM) | $689B | $93.2B |
| Launched | May 24, 2001 | Jan 20, 2004 |
| Holdings | 3,469 | 2,419 |
| Dividend yield (12m) | 1.09% · quarterly | 1.05% · quarterly |
| Asset class | Large Cap Equity | Equity |
| Annualised return | VTI | ITOT |
|---|---|---|
| 1 year | +11.1% | +11.0% |
| 3 years | +20.4% | +20.4% |
| 5 years | +9.9% | +9.9% |
| 10 years | +14.8% | +14.8% |
| Volatility | 15.5% | 15.4% |
| Max drawdown | -35.0% | -35.0% |
Volatility is the annualised standard deviation of daily returns over 3 years. Max drawdown is the largest fall from a peak over the last 10 years, or since launch.
| Holding | VTI | ITOT |
|---|---|---|
| AAPLApple Inc | 6.63% | 7.05% |
| NVDANVIDIA Corp | 7.13% | 6.17% |
| MSFTMicrosoft Corp | 5.19% | 5.59% |
| AMZNAmazon.com Inc | 3.30% | 3.59% |
| GOOGLAlphabet Inc | 2.76% | 2.33% |
| AVGOBroadcom Inc | 2.28% | 1.95% |
| GOOGAlphabet Inc | 2.18% | 1.88% |
| METAMeta Platforms Inc | 2.18% | 1.87% |
| TSLATesla Inc | 1.36% | 1.36% |
| LLYEli Lilly & Co | 1.34% | 1.53% |
Pull each fund's details, full price history and holdings into Google Sheets or Excel, so your comparison updates itself.
=SF("VTI","etfInfo","expenseRatio&assetsUnderManagement&holdingsCount")=SF_TIMESERIES("VTI","2016-10-01",TODAY(),"dailyAdj")=SF("ITOT","etfInfo","expenseRatio&assetsUnderManagement&holdingsCount")=SF_TIMESERIES("ITOT","2016-10-01",TODAY(),"dailyAdj")Prices to Nov 6, 2026; holdings last checked Nov 6, 2026. Returns are in each fund's trading currency (USD). Past performance doesn't predict future returns. For information only, not investment advice.
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VTI vs ITOT: frequently asked questions
How much do VTI and ITOT overlap?
91.8% by weight. They share 2,360 holdings, and that share of each fund is invested in exactly the same positions. That's very high, so holding both adds little diversification.
Is VTI or ITOT cheaper?
They cost the same: both have an expense ratio of 0.03% a year.
Which has performed better, VTI or ITOT?
Over the last 10 years, VTI has. VTI returned 14.8% and ITOT 14.8% a year on average, including reinvested dividends, as of Nov 6, 2026. Past returns don't predict future ones.
Which pays a higher dividend, VTI or ITOT?
VTI does. Over the last 12 months VTI yielded 1.09%, paid quarterly, and ITOT 1.05%, paid quarterly.
Should I hold both VTI and ITOT?
Holding both mostly doubles up on the same stocks, since 92% of each fund is in the same positions. Most investors pick one, often the cheaper one. This is general information, not advice.
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