VOO vs VTI: Fees, Returns & Holdings Compared

	Expense ratio	Net assets	Yield (TTM)	Overlap	1 yr	5 yr*
VOO	0.03%	$1.67T	1.07%	88%	+12.4%	+12.0%
VTI	0.03%	$2.30T	1.06%		+12.5%	+11.0%

At a glance

88% of VOO’s and VTI’s holdings overlap by weight. Both charge 0.03% a year, $30 on every $100,000. VOO has $1.67T in assets (all share classes) and VTI $2.30T (all share classes); over the past 12 months VOO paid out 1.07% of its price and VTI 1.06%, both quarterly. Over the past year VOO returned +12.4% and VTI +12.5% with distributions reinvested; over five years, +12.0% and +11.0% a year. In the 2022 bear market VOO fell 24.5% at its worst and VTI 25.4%; both were back at their earlier highs 14 months after the low.

Key differences

	VOO	VTI
Fund	Vanguard S&P 500 ETF	Vanguard Total Stock Market ETF
Issuer	Vanguard	Vanguard
Structure	ETF share class	ETF share class
Type	S&P 500	Whole market
Launched	Sep 7, 2010	May 24, 2001
Expense ratio	0.03%	0.03%
Cost a year on $100,000	$30	$30
Net assets	$1.67T *	$2.30T *
Holdings	506	3,531
Ten largest positions	36.4%	32.0%
Yield (12 months)	1.07%	1.06%
Pays	quarterly	quarterly
Portfolio turnover	2% a year	3% a year
Price data from	Jun 2, 2020	Jun 2, 2020

* VOO’s net assets are those of Vanguard 500 Index Fund, all share classes; VTI’s net assets are those of Vanguard Total Stock Market Index Fund, all share classes.

Holdings and overlap

Overlap by weight88%the share of each fund in holdings both own

Securities in commonat least 454VOO 506 · VTI 3,531 in all

Ten largest positions36.4% / 32.0%of assets, VOO / VTI

Overlap adds up, for every security both funds own, the smaller of its two weights: 100% would mean identical portfolios. The holdings reports list VTI beyond its 600 largest positions only (92% of VTI), so the figures are floors.

Largest holdings

Holding	VOO	VTI
NVIDIA Corp	7.51%	6.36%
Apple Inc	6.59%	5.87%
Microsoft Corp	4.30%	3.83%
Amazon.com Inc	3.62%	3.19%
Alphabet Inc Class A	3.25%	2.90%
Broadcom Inc	2.77%	2.47%
Alphabet Inc Class C	2.59%	2.28%
Micron Technology Inc	2.02%	1.80%
Meta Platforms Inc	1.92%	1.71%
Tesla Inc	1.84%	1.64%

The biggest differences in weight: NVIDIA Corp (7.5% in VOO, 6.4% in VTI); Apple Inc (6.6% in VOO, 5.9% in VTI).

By sector

Sector	VOO	VTI	Difference
Technology	35.2%	31.1%	VOO +4.1
Financials	10.6%	9.6%	VOO +1.0
Communication services	9.3%	8.3%	VOO +1.0
Consumer discretionary	9.1%	8.0%	VOO +1.1
Health care	7.1%	6.5%	VOO +0.6
Industrials	6.8%	6.2%	VOO +0.6
Consumer staples	4.4%	3.9%	VOO +0.5
Energy	2.7%	2.5%	VOO +0.2
Utilities	1.9%	1.7%	VOO +0.2
Materials	1.3%	1.2%	VOO +0.1
Real estate	1.3%	1.1%	VOO +0.2

Sectors of the companies each fund holds that have a stock page here (90.6% of VOO, 80.8% of VTI). Source: N-PORT holdings reports as of Jun 30, 2026 for both funds.

Returns

VOO VTI · $10,000 in each on Jun 30, 2020, distributions reinvested.

$10,000 put into VOO on Jun 30, 2020 was worth $26,780 on Oct 30, 2026, and in VTI $25,903 (+16.8% and +16.2% a year). That is as far back as the price data for both goes.

	1 yr	3 yr	5 yr	10 yr
VOO price data to Oct 30, 2026	+12.4%	+23.6%	+12.0%	—
VOO official prospectus, to Dec 31, 2025	+17.84%	—	+14.38%	+14.78%
VTI price data to Oct 30, 2026	+12.5%	+23.4%	+11.0%	—
VTI official prospectus, to Dec 31, 2025	+17.14%	—	+13.08%	+14.25%

Multi-year figures are annualized total returns with distributions reinvested. "Official" rows are the SEC-standard returns from each fund's prospectus, to the end of the last calendar year; they reach back further where the price data starts late. VOO: Price data starts 2020-06-02, after the fund's launch on 2010-09-07; figures "since start" cover the available history only. VTI: Price data starts 2020-06-02, after the fund's launch on 2001-05-24; figures "since start" cover the available history only.

Calendar years

Year	VOO	VTI	Difference
2026	+11.8% *	+11.8% *	—
2025	+17.8%	+17.1%	VOO +0.7
2024	+25.0%	+23.8%	VOO +1.2
2023	+26.3%	+26.1%	VOO +0.3
2022	-18.2%	-19.5%	VOO +1.3
2021	+28.8%	+25.7%	VOO +3.1
2020	+18.35% †	+20.95% †	VTI +2.6
2019	+31.46% †	+30.80% †	VOO +0.7
2018	-4.42% †	-5.13% †	VOO +0.7

Total returns from price data; † from the fund’s prospectus where the price data starts later; * year to Oct 30, 2026.

Downturns and recovery

	VOO	VTI
2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009	Before it launched	Not in the price data (starts Jun 2, 2020)
2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020	Not in the price data (starts Jun 2, 2020)	Not in the price data (starts Jun 2, 2020)
2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022	−24.5% at the worst; back at its high 14 months after the low	−25.4% at the worst; back at its high 14 months after the low
Worst fall in the price data	−24.5% (Jan 3, 2022 – Oct 12, 2022)	−25.4% (Jan 3, 2022 – Oct 12, 2022)

The deepest drop from a high to a low during each stretch when stocks fell, and how long the fund took to get back to its earlier high, with distributions reinvested. The price data starts Jun 2, 2020 for VOO and Jun 2, 2020 for VTI.

Income

VOO yield (12 months)1.07%paid quarterly

VTI yield (12 months)1.06%paid quarterly

Year	VOO	VTI
2025	$131	$130
2024	$153	$155
2023	$181	$179
2022	$136	$132
2021	$158	$151

Distributions paid during each calendar year on $10,000 of shares bought at the previous year-end close, adjusted for share splits. Before taxes.

Costs

Both funds charge 0.03% a year. The fee comes out of each fund's assets, so it is already in the returns above.

Cost of $10,000 (SEC example)	1 yr	3 yrs	5 yrs	10 yrs
VOO	$3	$10	$17	$39
VTI	$3	$10	$17	$39

From each fund's prospectus: the total costs on $10,000 invested, at a 5% yearly return, with the shares sold at the end of each period.

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