Compare · 3 funds side by side · dividends reinvested

IPOS, VTI and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,099SPY · best of the three

02 / 04

IPOS, VTI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.10%+8.4%+9.9%+21.9%+10.3%−8.9%13.7%$689B1.5

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$805B1.5

Renaissance International IPO ETFInternational · Ex-US broad0.80%0.81%+5.6%+4.2%+12.6%−9.2%−32.0%35.6%$9M3.0

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: IPOS 2014 · VTI 2001 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Renaissance International IPO ETF · $9M$6,155

IPOS

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,332

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

IPOSMeasureVTI

+5.6%Year to dateJan 1 → Nov 5+8.4%

+4.2%1 yearTotal return+9.9%

+12.6%3 years · per year$10,000 became $14,283 · $18,113+21.9%

−9.2%5 years · per year$10,000 became $6,155 · $16,332+10.3%

0.80%Expense ratio$80 · $3 a year on $10k · lower is better0.03%

0.81%Trailing 12-mo yield$81 · $110 a year on $10k1.10%

−32.0%Worst dropSmaller is better−8.9%

35.6%VolatilityLower is calmer13.7%

IPOSVTI Winner of the row, in its colourEach row: the bigger of the two fills its side

0–8VTI wins

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

IPOS vs VTI: Top 5 Holdings

Today

IPOS

2.3%in top 5

VTI

in top 525.0%

IPOSStockVTI

not top 5NVDA7.1%

not top 5AAPL6.6%

not top 5MSFT5.2%

not top 5AMZN3.3%

not top 5GOOGL2.8%

2.3%CVCnot top 5

Held in common0.0%

End-of-day Nov 5, 2026 · share of each fund

IPOS vs VTI Returns, Every Period

RenaissanceIPOS

−9.2%

5 years, per year

VTIVanguard

+10.3%

5 years, per year

IPOSVTIFaded: behind in that period

0–4VTI wins

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

International vs Core: IPOS vs VTI

YTD

RenaissanceIPOS

+5.6%

VTIVanguard

+8.4%

+5.6%Year to date+8.4%

−32.0%Worst drop · 1Y−8.9%

35.6%Volatility · 1Y13.7%

0.8%Yield1.1%

$9.0MAssets$689B

4–0VTI wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: IPOS, VTI, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SPY0.09%$9

IPOS0.80%$80

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: IPOS, VTI, SPY

1.10%highest, VTI

FundTrailing yieldYield$10k

VTI1.10%$110

SPY1.03%$103

IPOS0.81%$81

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$107most kept, VTI

VTI$110 − $3 = $107

SPY$103 − $9 = $94

IPOS$81 − $80 = $1

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: IPOS, VTI, SPY

Today

86.5%most shared, VTI and SPY

IPOSVTISPY

IPOS—0.0%0.0%

VTI0.0%—86.5%

SPY0.0%86.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+9.9%VTI, at 13.7% volatility

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

IPOSWorst drop−32.0%35.6% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

VTISPY

+8.4%Year to date+8.3%

1.1%Yield1.0%

+9.9%Past year+9.7%

0.03%Fee0.09%

4–0VTI wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$97.0B

0–0level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026