Compare · 4 funds side by side · dividends reinvested

VTI, SHM, VCIT and QQQ

VTIVanguard×SHMSPDR×VCITVanguard×QQQInvesco×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$18,068QQQ · best of the four

02 / 04

VTI, SHM, VCIT and QQQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B2.0

State Street SPDR Nuveen ICE Short Term Municipal Bond ETFBonds & Cash · Municipal0.20%2.70%+1.4%+2.1%+3.3%+1.1%−2.7%1.8%$3.5B2.6

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.7%+0.0%+6.6%+1.0%−4.9%4.5%$66.6B2.6

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.46%+11.0%+11.6%+23.9%+12.6%−14.8%21.5%$446B2.6

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: VTI 2001 · SHM 2007 · VCIT 2009 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Total Stock Market ETF · $689B$16,697

VTI

SHM

State Street SPDR Nuveen ICE Short Term Municipal Bond ETF · $3.5B$10,571

$10,000 five years ago, dividends reinvested

VTIMeasureSHM

+11.6%Year to dateJan 1 → Nov 9+1.4%

+13.9%1 yearTotal return+2.1%

+21.8%3 years · per year$10,000 became $18,090 · $11,019+3.3%

+10.8%5 years · per year$10,000 became $16,697 · $10,571+1.1%

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

1.06%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 9, 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 9, 2026 · share of each fund

VTI vs SHM Returns, Every Period

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 9, 2026 · dividends in · faded = behind in that period

Core vs Bonds: VTI vs VCIT

YTD

VanguardVTI

+11.6%

VCITVanguard

−0.7%

+11.6%Year to date−0.7%

−8.9%Worst drop · 1Y−4.9%

13.9%Volatility · 1Y4.5%

1.1%Yield5.0%

$689BAssets$66.6B

3–1VCIT wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: VTI, SHM, VCIT, QQQ

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

VCIT0.03%$3

QQQ0.18%$18

SHM0.20%$20

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: VTI, SHM, VCIT, QQQ

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

SHM2.70%$270

VTI1.06%$106

QQQ0.46%$46

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

SHM$270 − $20 = $250

VTI$106 − $3 = $103

QQQ$46 − $18 = $28

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: VTI, SHM, VCIT, QQQ

Today

49.9%most shared, VTI and QQQ

VTISHMVCITQQQ

VTI—[…][…]49.9%

SHM[…]—[…][…]

VCIT[…][…]—[…]

QQQ49.9%[…][…]—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+13.9%VTI, at 13.9% volatility

SHMWorst drop−2.7%1.8% vol

VCITWorst drop−4.9%4.5% vol

VTIWorst drop−8.9%13.9% vol

QQQWorst drop−14.8%21.5% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

VCITVTI

−0.7%Year to date+11.6%

5.0%Yield1.1%

+0.0%Past year+13.9%

0.03%Fee0.03%

2–1VTI wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

QQQM vs QQQ

YTD

InvescoQQQM

+10.9%

QQQInvesco

+11.0%

+10.9%Year to date+11.0%

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

$103BAssets$446B

1–1level

End-of-day Nov 9, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 9, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

+9.9%

QQQInvesco

+11.0%

+9.9%Year to date+11.0%

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

$29.1BAssets$446B

2–0QQQ wins

End-of-day Nov 9, 2026