ETF Versus

ITOT vs VTI

iShares Core S&P Total U.S. Stock Market ETF vs Vanguard Total Stock Market Index Fund ETF Shares

Last updated: 2026-04-10

ITOT iShares

iShares Core S&P Total U.S. Stock Market ETF (ITOT) is an exchange-traded fund issued by iShares that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.08%. Launched in 2004, the fund has a 22-year track record.

AUM: $83.3B ER: 0.03% Yield: 1.08% Since: Jan 20, 2004
VTI Vanguard

Vanguard Total Stock Market Index Fund ETF Shares (VTI) is an exchange-traded fund issued by Vanguard that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.13%. Launched in 2001, the fund has a 25-year track record.

AUM: $584.2B ER: 0.03% Yield: 1.13% Since: May 24, 2001

Quick Verdict

Both funds have delivered similar 1-year returns (30.3% vs 30.2%), tracking closely.

Key Metrics

Metric ITOT VTI
Expense Ratio 0.03% 0.03%
Dividend Yield 1.1% 1.1%
Fund Family iShares Vanguard
Category US Total Market US Total Market

Performance Chart

Indexed to 100 at start (5-year comparison)

80 97 114 131 148 165 2021-04 2022-07 2023-10 2025-01 2026-04
ITOT +56.7%
VTI +56.5%

Performance Comparison

Period ITOT VTI Difference
1 Month +0.76% +0.60% +0.16%
3 Months -2.14% -2.27% +0.13%
6 Months +2.54% +2.54% +0.00%
YTD -0.23% -0.32% +0.09%
1 Year +30.31% +30.23% +0.08%
3 Years +64.58% +64.44% +0.14%
5 Years +56.66% +56.51% +0.15%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period ITOT Fees VTI Fees You Save
$10,000 10 years $60 $60 $0
$10,000 20 years $258 $258 $0
$10,000 30 years $835 $835 $0
$50,000 10 years $299 $299 $0
$50,000 30 years $4,176 $4,176 $0
$100,000 30 years $8,352 $8,352 $0

Risk Metrics

Based on 5 years of daily returns

Metric ITOT VTI
Annualized Volatility 17.4% 17.5%
Max Drawdown -26.2% -26.2%
Sharpe Ratio 0.35 0.34

Dividend Comparison

Metric ITOT VTI
Annual Dividend (per share) $1.61 $3.77
Dividend Yield 1.08% 1.12%
Distribution Frequency Quarterly Quarterly

Top Holdings

9 of top 9 holdings overlap (100% overlap in top holdings)

ITOT Top Holdings

NameWeight
NVIDIA CorporationNVDA6.72%
Apple Inc.AAPL5.78%
Microsoft CorporationMSFT4.22%
Amazon.com, Inc.AMZN3.28%
Broadcom Inc.AVGO2.53%
Alphabet Inc.GOOG2.24%
Meta Platforms, Inc.META2.04%
Tesla, Inc.TSLA1.47%
Berkshire Hathaway Inc.BRK.B1.34%

VTI Top Holdings

NameWeight
NVIDIA CorporationNVDA6.17%
Apple Inc.AAPL5.89%
Microsoft CorporationMSFT4.40%
Amazon.com, Inc.AMZN3.05%
Broadcom Inc.AVGO2.28%
Alphabet Inc.GOOG2.16%
Meta Platforms, Inc.META2.13%
Tesla, Inc.TSLA1.72%
Berkshire Hathaway Inc.BRK.B1.37%

Which One Should You Choose?

Either works if...

you just need broad us total market exposure. Both are solid options — pick whichever your brokerage offers commission-free.

Related Comparisons