Compare · 3 funds side by side · dividends reinvested

VTI, SHM and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,118SPY · best of the three

02 / 04

VTI, SHM and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B1.9

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.0%+3.4%+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 6, 2026 · returns include dividends · since: VTI 2001 · SHM 2007 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Total Stock Market ETF · $689B$16,375

VTI

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,564

$10,000 five years ago, dividends reinvested

VTIMeasureSHM

+8.9%Year to dateJan 1 → Nov 6+1.4%

+9.9%1 yearTotal return+2.0%

+21.7%3 years · per year$10,000 became $18,004 · $11,042+3.4%

+10.4%5 years · per year$10,000 became $16,375 · $10,564+1.1%

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

1.09%Trailing 12-mo yield$109 · $270 a year on $10k2.70%

−8.9%Worst dropSmaller is better−2.7%

13.7%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 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

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

Held in common[…]

End-of-day Nov 6, 2026 · share of each fund

VTI vs SHM Returns, Every Period

VanguardVTI

+10.4%

5 years, per year

SHMSPDR

+1.1%

5 years, per year

VTISHMFaded: behind in that period

4–0VTI wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Core vs Bonds: VTI vs SHM

YTD

VanguardVTI

+8.9%

SHMSPDR

+1.4%

+8.9%Year to date+1.4%

−8.9%Worst drop · 1Y−2.7%

13.7%Volatility · 1Y1.8%

1.1%Yield2.7%

$689BAssets$3.5B

3–1SHM wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: VTI, SHM, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SPY0.09%$9

SHM0.20%$20

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: VTI, SHM, SPY

2.70%highest, SHM

FundTrailing yieldYield$10k

SHM2.70%$270

VTI1.09%$109

SPY1.03%$103

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$250most kept, SHM

SHM$270 − $20 = $250

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: VTI, SHM, SPY

Today

85.5%most shared, VTI and SPY

VTISHMSPY

VTI—[…]85.5%

SHM[…]—[…]

SPY85.5%[…]—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+9.9%VTI, at 13.7% volatility

SHMWorst drop−2.7%1.8% vol

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

SHMVTI

+1.4%Year to date+8.9%

2.7%Yield1.1%

+2.0%Past year+9.9%

0.20%Fee0.03%

3–1VTI wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026