VTI: Vanguard Morningstar Total Stock Market ETF

What does VTI hold?#

This fund owns shares in thousands of US companies, from very large to very small. It follows an index that tries to cover almost the whole US stock market. Its value rises and falls with US stocks overall.

It tracks the Morningstar US Total Market Index. It had 3,519 holdings as of September 30, 2026, according to Vanguard.

What is the VTI expense ratio?#

VTI charges 0.03% a year. An expense ratio is the yearly fee a fund takes to run itself. On $10,000, a 0.03% fee comes to about $3 a year.

You never get a bill for it. The fund takes the fee out of its own value a little each day.

How has VTI done since 2001?#

From June 2001 to October 2026, VTI returned about 9.7% a year. Say you put in $10,000 at the start. It would have been worth about $104,717 at the end, with every dividend reinvested.

Prices through October 16, 2026. Figures use daily closing prices adjusted for splits, with dividends reinvested. They do not include taxes or the cost of buying and selling. Past results do not tell you what will happen next.

VTI returns by year#

What was VTI’s worst drop?#

A drawdown is how far a fund falls from its last high point. VTI’s worst fall was −55.5%, from October 9, 2007 to March 9, 2009. It got back to that high on March 13, 2012.

The chart shows how far below its last high the fund was on each day. Big drops are normal for some funds. They matter because selling during a drop locks in the loss.

Which Tactfolio strategies hold VTI?#

5 classic strategies hold VTI at least some of the time. Each is a set of written rules you can open, test and copy.

• Baby Bear Portfolio (Muscular Portfolios), by Brian Livingston, 2018
• All Weather Portfolio (Ray Dalio’s All Seasons), by Ray Dalio and Tony Robbins, 2014
• Harry Browne’s Permanent Portfolio, by Harry Browne, 1999
• Golden Butterfly Portfolio, by Tyler (Portfolio Charts), 2015
• Three-Fund Portfolio (Taylor Larimore, Bogleheads), by Taylor Larimore, 2018

How does VTI compare with similar ETFs?#

Side-by-side pages measure both funds over the same dates:

• VOO vs VTI: the S&P 500 against the whole US stock market.
• VT vs VTI: the whole world stock market against the whole US market.
• VTI vs VXUS: US stocks against stocks from the rest of the world.

Funds that can stand in for VTI:

• ITOT: iShares Core S&P Total U.S. Stock Market ETF, 0.03% a year
• SCHB: Schwab U.S. Broad Market ETF, 0.03% a year
• SPYM: State Street SPDR Portfolio S&P 500 ETF, 0.02% a year
• IVV: iShares Core S&P 500 ETF, 0.03% a year

See all 8 VTI alternatives, compared on the same dates as VTI.

Test VTI in your own rules#

Tactfolio is a platform where you build rules-based investing strategies, backtest them on decades of real prices, share them, and run them automatically in your own Alpaca account. Open the builder, add VTI, and see how a rule such as “hold it only above its 200-day average” would have done. Strategies run on daily prices and hold US stocks and ETFs only.

The details#

Prices come from Tactfolio’s stored daily prices for VTI. Each close is adjusted for splits, and dividends are reinvested on the day the fund pays them out. CAGR is the steady yearly return that turns the starting value into the ending value. Volatility is the yearly standard deviation of daily returns.

Fund facts come from Vanguard. We checked them on October 16, 2026. Read what a backtest simulates and how to read drawdown and CAGR for more on these measures.