Compare · 3 funds side by side · dividends reinvested

VTI, SPY and BND

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,493SPY · best of the three

02 / 04

VTI, SPY and BND, 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%$689B1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B2.0

Vanguard Total Bond Market ETFBonds & Cash · Core aggregate0.03%4.12%+0.0%+0.3%+5.0%−0.0%−4.5%4.0%$161B2.0

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

End-of-day Nov 9, 2026 · returns include dividends · since: VTI 2001 · SPY 1993 · BND 2007

Head to Head

Swap sides Versus in desk

Head to Head

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

VTI

SPY

State Street SPDR S&P 500 ETF · $778B$17,493

$10,000 five years ago, dividends reinvested · they hold 86.0% in common

VTIMeasureSPY

+11.6%Year to dateJan 1 → Nov 9+11.2%

+13.9%1 yearTotal return+13.5%

+21.8%3 years · per year$10,000 became $18,090 · $18,118+21.9%

+10.8%5 years · per year$10,000 became $16,697 · $17,493+11.8%

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

1.06%Trailing 12-mo yield$106 · $101 a year on $10k1.01%

−8.9%Worst dropSmaller is better−8.9%

13.9%VolatilityLower is calmer13.7%

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

4–3VTI 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 SPY: Top 5 Holdings

Today

VTI

25.0%in top 5

SPY

in top 527.8%

VTIStockSPY

6.6%AAPL7.9%

7.1%NVDA7.1%

5.2%MSFT6.2%

3.3%AMZN4.0%

2.8%GOOGL2.6%

Held in common86.0%

End-of-day Nov 9, 2026 · share of each fund

VTI vs SPY Returns, Every Period

VanguardVTI

+10.8%

5 years, per year

SPYSPDR

+11.8%

5 years, per year

VTISPYFaded: behind in that period

2–2Level

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Core vs Bonds: VTI vs BND

YTD

VanguardVTI

+11.6%

BNDVanguard

+0.0%

+11.6%Year to date+0.0%

−8.9%Worst drop · 1Y−4.5%

13.9%Volatility · 1Y4.0%

1.1%Yield4.1%

$689BAssets$161B

3–1BND wins

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

Cost, Income and Risk

Fees: VTI, SPY, BND

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

BND0.03%$3

SPY0.09%$9

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

Yields: VTI, SPY, BND

4.12%highest, BND

FundTrailing yieldYield$10k

BND4.12%$412

VTI1.06%$106

SPY1.01%$101

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

Income After Fees on $10,000

$409most kept, BND

BND$412 − $3 = $409

VTI$106 − $3 = $103

SPY$101 − $9 = $92

KeptFee

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

Overlap: VTI, SPY, BND

Today

86.0%most shared, VTI and SPY

VTISPYBND

VTI—86.0%[…]

SPY86.0%—[…]

BND[…][…]—

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

Return vs Bumpiness: 3 ETFs

+13.9%VTI, at 13.9% volatility

BNDWorst drop−4.5%4.0% vol

SPYWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

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

Paid More vs Made More

YTD

BNDVTI

+0.0%Year to date+11.6%

4.1%Yield1.1%

+0.3%Past year+13.9%

0.03%Fee0.03%

2–1VTI wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

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$95.6B

2–0VTI wins

End-of-day Nov 9, 2026

BND vs AGG

YTD

VanguardBND

+0.0%

AGGiShares

+0.0%

+0.0%Year to date+0.0%

4.1%Yield4.1%

$161BAssets$139B

0–0level

End-of-day Nov 9, 2026