VTI vs ITOT Stock Comparison: AI Score, Valuation, Performance and Upside
VTI and ITOT are functionally nearly identical total US stock market ETFs. Both provide broad exposure to 4,000+ US companies from large to micro-cap, both cost 0.03%, and both will produce essentially the same returns over time. The choice between them is entirely a function of broker relationship and account type, not investment merit.
VTI and ITOT are interchangeable for investment purposes — choose based on which brokerage account you hold and which offers commission-free trading for your preferred fund.
VTI holds the edge across 4 of 5 key metrics in this comparison. VTI has delivered stronger 1-year price return (+27.29% vs +27.23% for ITOT).
- →hold Vanguard accounts and want commission-free total market access
- →prefer Vanguard's mutual ownership structure and investor-aligned governance
- →are building a three-fund portfolio using the established VTI + VXUS + BND framework
- →want the longest-running total US market ETF with the largest asset base
- →hold Fidelity, Schwab, or other broker accounts with commission-free ITOT access
- →prefer iShares/BlackRock's ETF ecosystem for consistency with other holdings
- →want total US market exposure without needing to maintain a Vanguard account
- →are constructing a three-fund portfolio equivalent using non-Vanguard funds
| Metric | VTI | ITOT |
|---|---|---|
| ETF score | 90.0 | 90.0 |
| Latest close | $369.99 | $163.85 |
| 1M return | +2.76% | +2.73% |
| 6M return | +12.55% | +12.59% |
| 1Y return | +27.29% | +27.23% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | VTI | ITOT |
|---|---|---|
| 1Y ago | $12.88K (+28.8%) started 2025-06-18 | $12.86K (+28.6%) started 2025-06-18 |
| 5Y ago | $19.7K (+97.0%) started 2021-06-18 | $19.67K (+96.7%) started 2021-06-18 |
| 10Y ago | $48.32K (+383.2%) started 2016-06-20 | $48.51K (+385.1%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
| Metric | VTI | ITOT |
|---|---|---|
| Expense ratio | 0.03% | 0.03% |
| Total assets (AUM) | $2.31T | $93.42B |
| Dividend yield | 1.01% | 0.98% |
| Trailing P/E | 26.35 | 26.41 |
| Beta | 1.03 | 1.03 |
| 52-week change | 27.29% | 27.23% |
| Metric | VTI | ITOT |
|---|---|---|
| 1Y return | +27.29% | +27.23% |
| 6M return | +12.55% | +12.59% |
| 1M return | +2.76% | +2.73% |
| 1Y Sharpe ratio | 1.61 | 1.61 |
| Beta | 1.03 | 1.03 |
| Dividend yield | 1.01% | 0.98% |
| 5Y CAGR | +12.87% | +12.87% |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | VTI | ITOT |
|---|---|---|---|
| 1Y | Growth | +27.29% | +27.23% |
| CAGR | +27.31% | +27.25% | |
| Sharpe ratio | 1.61 | 1.61 | |
| Max drawdown | 8.92% | 8.90% | |
| Max daily drop | 2.68% | 2.73% | |
| Max wkly drop | 3.66% | 3.71% | |
| 5Y | Growth | +83.13% | +83.19% |
| CAGR | +12.87% | +12.87% | |
| Sharpe ratio | 0.52 | 0.53 | |
| Max drawdown | 25.36% | 25.36% | |
| Max daily drop | 5.87% | 5.87% | |
| Max wkly drop | 11.61% | 11.69% | |
| 10Y | Growth | +307.06% | +305.67% |
| CAGR | +15.08% | +15.04% | |
| Sharpe ratio | 0.61 | 0.61 | |
| Max drawdown | 35.00% | 35.00% | |
| Max daily drop | 11.38% | 11.57% | |
| Max wkly drop | 18.80% | 18.60% |
| Category | VTI | ITOT |
|---|---|---|
| Fund name | Vanguard Total Stock Market Index Fund ETF Shares | iShares Core S&P Total U.S. Stock Market ETF |
| Type | ETF | ETF |
| Expense ratio | 0.03% | 0.03% |
| Total assets (AUM) | $2.31T | $93.42B |
| Dividend yield | 1.01% | 0.98% |
- →True total US market coverage including small and micro-cap (4,000+ companies)
- →0.03% expense ratio matches the lowest in the category
- →Decades of operating history as the premier total market index fund
- →0.03% expense ratio matches VTI for cost parity
- →iShares/BlackRock backing with strong institutional infrastructure
- →Available commission-free on major brokers for a VTI equivalent outside Vanguard ecosystem
- →Small and micro-cap companies are a tiny portion of market cap — VTI behaves very similarly to SPY/VOO
- →The small-cap addition versus an S&P 500 fund makes negligible difference in most market environments
- →Not the most liquid option for institutional block trades versus SPY or IVV
- →Functionally identical to VTI — the choice is about broker ecosystem, not investment merit
- →Slightly different index methodology (S&P Total Market vs CRSP US Total Market) with negligible return impact
- →Lower daily volume than VTI for institutional-size block trades
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