VTI — Vanguard Total Stock Market Index Fund ETF Shares

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.

Overview

The Vanguard Total Stock Market Index Fund ETF Shares, trading under the ticker VTI, operates within the US Large Cap Blend category managed by the issuer Vanguard. This fund holds an overall rank of #54 out of 458 tracked ETFs across all categories and has received an ETFValuer grade of B with a score of 74.0 out of 100. It carries a low expense ratio of 0.03% and offers a dividend yield of 0.77%. With assets under management totaling $2298 billion and a share price of $365.99, the fund demonstrates significant scale and investor adoption. The high asset base relative to the category size of 19 ETFs suggests substantial market presence. Its pricing and cost structure position it as a widely utilized vehicle for exposure to the broad US large-cap market.

Over the last trading day, the fund posted a gain of +0.22% before retreating -0.94% over the one-week period. Monthly returns show a recovery to +1.04%, followed by a stronger three-month performance of +4.12%. The six-month return accelerated further to +7.65%, while year-to-date gains reached +9.48%. One-year returns climbed to +18.03%, and the three-year horizon reflects a cumulative return of +69.58%. This trajectory indicates a pattern of short-term volatility that resolved into sustained growth over longer holding periods. The data shows a clear acceleration in returns as the time horizon extends from one week to three years.

The fund is assigned a Low volatility label and carries a beta of 1.03, indicating price movements that closely track the broader market with slightly higher sensitivity. A Sharpe ratio of 1.01 suggests the fund has generated a favorable risk-adjusted return relative to its volatility. However, the maximum drawdown of -19.30% highlights the potential for significant temporary losses during market downturns. This combination of a low volatility label and a beta near 1.0 implies the fund generally moves in line with the market but with managed fluctuation. The Sharpe ratio and drawdown figures together suggest that while the fund experiences notable declines, the long-term return profile compensates for these periods of stress.

AI-generated summary based on the data on this page.

VTI Top Holdings

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).

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: 4.65% (as of 2026-07-27) — 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): 18.67 (as of 2026-07-27) — 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 2026-06-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.

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 $2298B 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

How VTI Compares to Other US Large Cap Blend ETFs