Compare · 3 funds side by side · dividends reinvested

VTI, SPY and IWF

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, SPY and IWF, 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%$689B1.5

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%$819B1.5

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.39%−5.3%−6.5%+19.4%+9.1%−14.6%19.4%$113B3.0

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

End-of-day Nov 6, 2026 · returns include dividends · since: VTI 2001 · SPY 1993 · IWF 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

VTI

SPY

State Street SPDR S&P 500 ETF · $819B$17,118

$10,000 five years ago, dividends reinvested · they hold 85.5% in common

VTIMeasureSPY

+8.9%Year to dateJan 1 → Nov 6+8.7%

+9.9%1 yearTotal return+9.7%

+21.7%3 years · per year$10,000 became $18,004 · $18,039+21.7%

+10.4%5 years · per year$10,000 became $16,375 · $17,118+11.3%

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

1.09%Trailing 12-mo yield$109 · $103 a year on $10k1.03%

−8.9%Worst dropSmaller is better−8.9%

13.7%VolatilityLower is calmer13.6%

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

4–2VTI 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 SPY: Top 5 Holdings

Today

VTI

25.0%in top 5

SPY

in top 527.8%

VTIStockSPY

6.6%AAPL7.9%

7.1%NVDA6.9%

5.2%MSFT6.3%

3.3%AMZN4.0%

2.8%GOOGL2.6%

Held in common85.5%

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

VTI vs SPY Returns, Every Period

VanguardVTI

+10.4%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

VTISPYFaded: behind in that period

2–1VTI wins

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

VTI vs SPY

YTD

VanguardVTI

+8.9%

SPYSPDR

+8.7%

+8.9%Year to date+8.7%

−8.9%Worst drop · 1Y−8.9%

13.7%Volatility · 1Y13.6%

1.1%Yield1.0%

$689BAssets$819B

2–1VTI wins

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

Cost, Income and Risk

Fees: VTI, SPY, IWF

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SPY0.09%$9

IWF0.18%$18

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

Yields: VTI, SPY, IWF

1.09%highest, VTI

FundTrailing yieldYield$10k

VTI1.09%$109

SPY1.03%$103

IWF0.39%$39

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

Income After Fees on $10,000

$106most kept, VTI

VTI$109 − $3 = $106

SPY$103 − $9 = $94

IWF$39 − $18 = $21

KeptFee

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

Overlap: VTI, SPY, IWF

Today

85.5%most shared, VTI and SPY

VTISPYIWF

VTI—85.5%55.8%

SPY85.5%—55.7%

IWF55.8%55.7%—

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

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

IWFWorst drop−14.6%19.4% vol

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

Paid More vs Made More

YTD

VTISPY

+8.9%Year to date+8.7%

1.1%Yield1.0%

+9.9%Past year+9.7%

0.03%Fee0.09%

4–0VTI 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

VUG vs SCHG

YTD

VanguardVUG

+1.4%

SCHGSchwab

+1.9%

+1.4%Year to date+1.9%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$59.1B

1–1level

End-of-day Nov 6, 2026