Compare · 3 funds side by side · dividends reinvested

VTI, SGOV 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

VTI, SGOV 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%$689B1.9

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%$805B1.9

iShares 0-3 Month Treasury Bond ETFBonds & Cash · Cash & T-bills0.09%3.63%+3.1%+3.7%+4.5%+3.9%0.0%0.2%$117B2.1

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: VTI 2001 · SGOV 2020 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

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

VTI

SGOV

iShares 0-3 Month Treasury Bond ETF · $117B$12,086

$10,000 five years ago, dividends reinvested

VTIMeasureSGOV

+8.4%Year to dateJan 1 → Nov 5+3.1%

+9.9%1 yearTotal return+3.7%

+21.9%3 years · per year$10,000 became $18,113 · $11,417+4.5%

+10.3%5 years · per year$10,000 became $16,332 · $12,086+3.9%

0.03%Expense ratio$3 · $9 a year on $10k · lower is better0.09%

1.10%Trailing 12-mo yield$110 · $363 a year on $10k3.63%

−8.9%Worst dropSmaller is better0.0%

13.7%VolatilityLower is calmer0.2%

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

5–3VTI wins

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

More Ways to See the Pairs

VTI vs SGOV: Top 5 Holdings

Today

VTI

25.0%in top 5

SGOV

in top 5[…]

VTIStockSGOV

7.1%NVDAnot top 5

6.6%AAPLnot top 5

5.2%MSFTnot top 5

3.3%AMZNnot top 5

2.8%GOOGLnot top 5

Held in common[…]

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

VTI vs SGOV Returns, Every Period

VanguardVTI

+10.3%

5 years, per year

SGOViShares

+3.9%

5 years, per year

VTISGOVFaded: behind in that period

4–0VTI wins

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

Core vs Bonds: VTI vs SGOV

YTD

VanguardVTI

+8.4%

SGOViShares

+3.1%

+8.4%Year to date+3.1%

−8.9%Worst drop · 1Y+0.0%

13.7%Volatility · 1Y0.2%

1.1%Yield3.6%

$689BAssets$117B

3–1SGOV wins

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

Cost, Income and Risk

Fees: VTI, SGOV, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SGOV0.09%$9

SPY0.09%$9

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

Yields: VTI, SGOV, SPY

3.63%highest, SGOV

FundTrailing yieldYield$10k

SGOV3.63%$363

VTI1.10%$110

SPY1.03%$103

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

Income After Fees on $10,000

$354most kept, SGOV

SGOV$363 − $9 = $354

VTI$110 − $3 = $107

SPY$103 − $9 = $94

KeptFee

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

Overlap: VTI, SGOV, SPY

Today

86.5%most shared, VTI and SPY

VTISGOVSPY

VTI—[…]86.5%

SGOV[…]—[…]

SPY86.5%[…]—

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

SGOVWorst drop0.0%0.2% vol

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

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

Paid More vs Made More

YTD

SGOVVTI

+3.1%Year to date+8.4%

3.6%Yield1.1%

+3.7%Past year+9.9%

0.09%Fee0.03%

3–1VTI 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

SGOV vs BIL

YTD

iSharesSGOV

+3.1%

BILSPDR

+3.1%

+3.1%Year to date+3.1%

3.6%Yield3.7%

$117BAssets$48.4B

1–0BIL wins

End-of-day Nov 5, 2026