Compare · 4 funds side by side · dividends reinvested

VTIP, SPY, VCIT and VTI

VTIPVanguard×SPYSPDR×VCITVanguard×VTIVanguard×

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

02 / 04

VTIP, SPY, VCIT and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Short-Term Inflation-Protected Securities ETFBonds & Cash · Treasuries0.03%4.81%+0.6%+1.0%+4.4%+2.7%−2.6%2.2%$20.9B2.3

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%$689B2.3

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%$778B2.5

Vanguard Intermediate-Term Corporate Bond ETFBonds & Cash · Corporate0.03%5.02%−0.8%+0.4%+6.9%+1.0%−4.9%4.5%$66.6B2.6

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

End-of-day Nov 6, 2026 · returns include dividends · since: VTIP 2012 · SPY 1993 · VCIT 2009 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Short-Term Inflation-Protected Securities ETF · $20.9B$11,413

VTIP

SPY

State Street SPDR S&P 500 ETF · $778B$17,118

$10,000 five years ago, dividends reinvested

VTIPMeasureSPY

+0.6%Year to dateJan 1 → Nov 6+8.7%

+1.0%1 yearTotal return+9.7%

+4.4%3 years · per year$10,000 became $11,376 · $18,039+21.7%

+2.7%5 years · per year$10,000 became $11,413 · $17,118+11.3%

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

4.81%Trailing 12-mo yield$481 · $103 a year on $10k1.03%

−2.6%Worst dropSmaller is better−8.9%

2.2%VolatilityLower is calmer13.6%

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

4–4Level

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

VTIP vs SPY: Top 5 Holdings

Today

VTIP

[…]in top 5

SPY

in top 527.8%

VTIPStockSPY

not top 5AAPL7.9%

not top 5NVDA6.9%

not top 5MSFT6.3%

not top 5AMZN4.0%

not top 5GOOGL2.6%

Held in common[…]

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

VTIP vs SPY Returns, Every Period

VanguardVTIP

+2.7%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

VTIPSPYFaded: behind in that period

0–4SPY wins

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

VTIP vs VCIT

YTD

VanguardVTIP

+0.6%

VCITVanguard

−0.8%

+0.6%Year to date−0.8%

−2.6%Worst drop · 1Y−4.9%

2.2%Volatility · 1Y4.5%

4.8%Yield5.0%

$20.9BAssets$66.6B

3–1VTIP wins

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

Cost, Income and Risk

Fees: VTIP, SPY, VCIT, VTI

Today

0.03%lowest, VTIP

FundExpense ratioFee$10k

VTIP0.03%$3

VCIT0.03%$3

VTI0.03%$3

SPY0.09%$9

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

Yields: VTIP, SPY, VCIT, VTI

5.02%highest, VCIT

FundTrailing yieldYield$10k

VCIT5.02%$502

VTIP4.81%$481

VTI1.09%$109

SPY1.03%$103

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

Income After Fees on $10,000

$499most kept, VCIT

VCIT$502 − $3 = $499

VTIP$481 − $3 = $478

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

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

Overlap: VTIP, SPY, VCIT, VTI

Today

85.5%most shared, SPY and VTI

VTIPSPYVCITVTI

VTIP—[…][…][…]

SPY[…]—[…]85.5%

VCIT[…][…]—[…]

VTI[…]85.5%[…]—

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

Return vs Bumpiness: 4 ETFs

+9.9%VTI, at 13.7% volatility

VTIPWorst drop−2.6%2.2% vol

VCITWorst drop−4.9%4.5% 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

VCITVTI

−0.8%Year to date+8.9%

5.0%Yield1.1%

+0.4%Past year+9.9%

0.03%Fee0.03%

2–1VTI wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

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$93.2B

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