Compare · 3 funds side by side · dividends reinvested

VTES, SPY and VTI

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,481SPY · best of the three

Story of the three · IncomeMost incomeVTES · 2.66% · $266 a year on $10k

Story of the three · RiskSmallest drop

VTES, SPY and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.05%+12.6%+13.0%+21.7%+10.8%−8.9%13.9%$689B1.9

Vanguard Short-Term Tax-Exempt Bond ETFBonds & Cash · Municipal0.05%2.66%+1.3%+2.0%+3.4%[…]−3.0%1.8%$3.6B2.0

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.00%+12.3%+12.7%+21.8%+11.8%−8.9%13.7%$793B2.0

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

End-of-day Nov 11, 2026 · returns include dividends · since: VTES 2023 · SPY 1993 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Vanguard Short-Term Tax-Exempt Bond ETF · $3.6B[…]

VTES

SPY

State Street SPDR S&P 500 ETF · $793B$17,481

$10,000 five years ago, dividends reinvested

VTESMeasure

More Ways to See the Pairs

VTES vs SPY: Top 5 Holdings

Today

VTES

[…]in top 5

SPY

in top 526.9%

VTESStockSPY

not top 5AAPL7.8%

not top 5NVDA6.3%

not top 5MSFT6.1%

not top 5AMZN4.1%

not top 5GOOGL2.6%

Cost, Income and Risk

Fees: VTES, SPY, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

VTES0.05%$5

SPY0.09%$9

End-of-day Nov 11, 2026 · fee on $10,000 a year

Yields: VTES, SPY, VTI

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+12.4%

SPYSPDR

+12.3%

+12.4%Year to date+12.3%

1.0%Yield1.0%

$183BAssets$793B

1–0SPYM wins

End-of-day Nov 11, 2026

VTI vs ITOT

YTD

VanguardVTI

+12.6%

ITOTiShares

+12.5%

SCHD vs VIG

YTD

SchwabSCHD

+34.6%

VIGVanguard

+16.0%

SPY

+1.3%Year to dateJan 1 → Nov 11+12.3%

+2.0%1 yearTotal return+12.7%

+3.4%3 years · per year$10,000 became $11,068 · $18,083+21.8%

[…]5 years · per year$10,000 became […] · $17,481+11.8%

0.05%Expense ratio$5 · $9 a year on $10k · lower is better0.09%

2.66%Trailing 12-mo yield$266 · $100 a year on $10k1.00%

−3.0%Worst dropSmaller is better−8.9%

1.8%VolatilityLower is calmer13.7%

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

4–3VTES wins

End-of-day Nov 11, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

Held in common[…]

End-of-day Nov 11, 2026 · share of each fund

VTES vs SPY Returns, Every Period

1Y

VanguardVTES

+2.0%

past year

SPYSPDR

+12.7%

past year

VTESSPYFaded: behind in that period

0–3SPY wins

End-of-day Nov 11, 2026 · dividends in · faded = behind in that period

Bonds vs Core: VTES vs VTI

YTD

VanguardVTES

+1.3%

VTIVanguard

+12.6%

+1.3%Year to date+12.6%

−3.0%Worst drop · 1Y−8.9%

1.8%Volatility · 1Y13.9%

2.7%Yield1.1%

$3.6BAssets$689B

3–1VTES wins

End-of-day Nov 11, 2026 · smaller drop and lower volatility win

1Y

2.66%highest, VTES

FundTrailing yieldYield$10k

VTES2.66%$266

VTI1.05%$106

SPY1.00%$100

End-of-day Nov 11, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$261most kept, VTES

VTES$266 − $5 = $261

VTI$106 − $3 = $103

SPY$100 − $9 = $91

KeptFee

End-of-day Nov 11, 2026 · yield in dollars minus the fee

Overlap: VTES, SPY, VTI

Today

85.7%most shared, SPY and VTI

VTESSPYVTI

VTES—[…][…]

SPY[…]—85.7%

VTI[…]85.7%—

End-of-day Nov 11, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

1Y

+13.0%VTI, at 13.9% volatility

VTESWorst drop−3.0%1.8% vol

SPYWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

End-of-day Nov 11, 2026 · up and left is better

Paid More vs Made More

YTD

VTESVTI

+1.3%Year to date+12.6%

2.7%Yield1.1%

+2.0%Past year+13.0%

0.05%Fee0.03%

3–1VTI wins

End-of-day Nov 11, 2026

+12.6%Year to date+12.5%

1.1%Yield1.0%

$689BAssets$96.5B

2–0VTI wins

End-of-day Nov 11, 2026

+34.6%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 11, 2026

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VTES, SPY and VTI

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three