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 (+14.92% vs +14.83% 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 scorei | 27.3 | 27.3 |
| Latest closei | $376.92 | $167.25 |
| 1M returni | -0.97% | -1.08% |
| 3M returni | -0.47% | -0.54% |
| 6M returni | +4.73% | +4.60% |
| 1Y returni | +14.92% | +14.83% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
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 | $11.62K (+16.2%) started 2025-11-04 | $11.61K (+16.1%) started 2025-11-04 |
| 5Y ago | $17.92K (+79.2%) started 2021-11-05 | $17.89K (+78.9%) started 2021-11-05 |
| 10Y ago | $48.09K (+380.9%) started 2016-11-07 | $47.86K (+378.6%) started 2016-11-07 |
Hypothetical — past performance does not guarantee future results.
| Metric | VTI | ITOT |
|---|---|---|
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $2.32T | $95.47B |
| Dividend yieldi | 1.06% | 1.02% |
| Trailing P/Ei | 23.82 | 23.76 |
| Betai | 1.03 | 1.03 |
| 52-week change | 14.92% | 14.83% |
| Metric | VTI | ITOT |
|---|---|---|
| 1Y returni | +14.92% | +14.83% |
| 6M returni | +4.73% | +4.60% |
| 3M returni | -0.47% | -0.54% |
| 1M returni | -0.97% | -1.08% |
| 1Y Sharpe ratio | 0.79 | 0.79 |
| Betai | 1.03 | 1.03 |
| Dividend yieldi | 1.06% | 1.02% |
| 5Y CAGR | +10.77% | +10.77% |
Over the past year, VTI and ITOT have moved strongly in the same direction (correlation of 1.00), based on daily returns.
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 | Growthi | +14.92% | +14.83% |
| CAGRi | +14.93% | +14.84% | |
| Volatilityi | 12.99% | 13.02% | |
| Sharpe ratioi | 0.79 | 0.79 | |
| Sortino ratioi | 1.15 | 1.14 | |
| Max drawdowni | 8.92% | 8.90% | |
| Current drawdowni | 1.67% | 1.75% | |
| Avg drawdowni | 1.50% | 1.51% | |
| Ulcer Indexi | 2.17% | 2.17% | |
| Max daily dropi | 2.68% | 2.71% | |
| Max wkly dropi | 3.66% | 3.71% | |
| 5Y | Growthi | +66.71% | +66.73% |
| CAGRi | +10.77% | +10.77% | |
| Volatilityi | 17.51% | 17.47% | |
| Sharpe ratioi | 0.42 | 0.42 | |
| Sortino ratioi | 0.60 | 0.60 | |
| Max drawdowni | 25.36% | 25.36% | |
| Current drawdowni | 1.67% | 1.75% | |
| Avg drawdowni | 6.25% | 6.23% | |
| Ulcer Indexi | 9.24% | 9.21% | |
| Max daily dropi | 5.87% | 5.87% | |
| Max wkly dropi | 11.61% | 11.69% | |
| 10Y | Growthi | +304.90% | +303.40% |
| CAGRi | +15.03% | +14.98% | |
| Volatilityi | 18.31% | 18.27% | |
| Sharpe ratioi | 0.61 | 0.61 | |
| Sortino ratioi | 0.85 | 0.85 | |
| Max drawdowni | 35.00% | 35.00% | |
| Current drawdowni | 1.67% | 1.75% | |
| Avg drawdowni | 4.68% | 4.68% | |
| Ulcer Indexi | 7.72% | 7.71% | |
| Max daily dropi | 11.38% | 11.57% | |
| Max wkly dropi | 18.80% | 18.60% |
| Category | VTI | ITOT |
|---|---|---|
| Fund name | Vanguard Morningstar Total Stock Market ETF | iShares Core S&P Total U.S. Stock Market ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $2.32T | $95.47B |
| Dividend yieldi | 1.06% | 1.02% |
- 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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Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
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