Compare · 3 funds side by side · dividends reinvested

VTI, SHM and QQQ

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Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$18,092QQQ · best of the three

Story of the three · IncomeMost incomeSHM · 2.70% · $270 a year on $10k

Story of the three · RiskSmallest drop

VTI, SHM and QQQ, 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%$689B1.8

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.45%+12.8%+11.3%+23.9%+12.6%−14.8%21.6%$464B2.0

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.3%+1.8%+3.1%+1.1%−2.7%1.8%$3.5B2.3

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: VTI 2001 · SHM 2007 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Vanguard Morningstar Total Stock Market ETF · $689B$16,678

VTI

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,555

$10,000 five years ago, dividends reinvested

VTIMeasure

More Ways to See the Pairs

VTI vs SHM: Top 5 Holdings

Today

VTI

25.0%in top 5

SHM

in top 5[…]

VTIStockSHM

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

Cost, Income and Risk

Fees: VTI, SHM, QQQ

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

QQQ0.18%$18

SHM0.20%$20

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

Yields: VTI, SHM, QQQ

1Y

Popular Pairs Near These Three

QQQM vs QQQ

YTD

InvescoQQQM

+12.8%

QQQInvesco

+12.8%

+12.8%Year to date+12.8%

0.15% · $15Fee · on $10k a year0.18% · $18

$107BAssets$464B

1–0QQQM wins

End-of-day Nov 11, 2026

VTI vs ITOT

YTD

VanguardVTI

+12.6%

ITOTiShares

+12.5%

TQQQ vs QQQ

YTD

ProSharesTQQQ

+15.3%

QQQInvesco

+12.8%

SHM

+12.6%Year to dateJan 1 → Nov 11+1.3%

+13.0%1 yearTotal return+1.8%

+21.7%3 years · per year$10,000 became $18,043 · $10,969+3.1%

+10.8%5 years · per year$10,000 became $16,678 · $10,555+1.1%

0.03%Expense ratio$3 · $20 a year on $10k · lower is better0.20%

1.05%Trailing 12-mo yield$106 · $270 a year on $10k2.70%

−8.9%Worst dropSmaller is better−2.7%

13.9%VolatilityLower is calmer1.8%

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

5–3VTI 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

VTI vs SHM Returns, Every Period

5Y

VanguardVTI

+10.8%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

VTISHMFaded: behind in that period

4–0VTI wins

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

Core vs Bonds: VTI vs SHM

YTD

VanguardVTI

+12.6%

SHMSPDR

+1.3%

+12.6%Year to date+1.3%

−8.9%Worst drop · 1Y−2.7%

13.9%Volatility · 1Y1.8%

1.1%Yield2.7%

$689BAssets$3.5B

3–1SHM wins

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

2.70%highest, SHM

FundTrailing yieldYield$10k

SHM2.70%$270

VTI1.05%$106

QQQ0.45%$45

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

Income After Fees on $10,000

1Y

$250most kept, SHM

SHM$270 − $20 = $250

VTI$106 − $3 = $103

QQQ$45 − $18 = $27

KeptFee

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

Overlap: VTI, SHM, QQQ

Today

49.5%most shared, VTI and QQQ

VTISHMQQQ

VTI—[…]49.5%

SHM[…]—[…]

QQQ49.5%[…]—

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

SHMWorst drop−2.7%1.8% vol

VTIWorst drop−8.9%13.9% vol

QQQWorst drop−14.8%21.6% vol

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

Paid More vs Made More

YTD

SHMQQQ

+1.3%Year to date+12.8%

2.7%Yield0.4%

+1.8%Past year+11.3%

0.20%Fee0.18%

3–1QQQ 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

+15.3%Year to date+12.8%

0.94% · $94Fee · on $10k a year0.18% · $18

$34.2BAssets$464B

1–1level

End-of-day Nov 11, 2026

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VTI, SHM and QQQ

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three