VTEC vs VTI

AVTEC

BVTI

Measures won3–1VTEC wins · of 6 · 5Y

$10,000 · 5Y$17,118SPY · VTI $16,375

Lowest cost0.03%VTI · $3 on $10k

Most income3.18%VTEC · $318 on $10k

Smallest drop−6.4%VTEC · worst fall in 1Y

Held in common[…]VTEC and VTI

VTEC

VTI

Vanguard California Tax-Exempt Bond ETF · $3.6BVanguard Morningstar Total Stock Market ETF · $689B

[…]3 years · per year[…] · $18,004+21.7%

[…]5 years · per year[…] · $16,375+10.4%

0.06%Expense ratio$6 · $3 on $10k · lower wins0.03%

3.18%12-mo yield$318 · $109 on $10k1.09%

−6.4%Worst dropSmaller wins−8.9%

3.4%VolatilityLower wins13.7%

3–1VTEC wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVTEC · VTI

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$777.7B
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
3	AVTEC	Vanguard California Tax-Exempt Bond ETFRead Desk	0.06%	3.18%	+0.2%	+0.3%	+0.9%	new	new	−6.4%	$3.6B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$777.7B
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
3	AVTEC	Vanguard California Tax-Exempt Bond ETFRead Desk	0.06%	3.18%	+0.2%	+0.3%	+0.9%	new	new	−6.4%	$3.6B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

VTEC vs VTI

VTEC

Vanguard California Tax-Exempt Bond

[…]

VTI

Vanguard Morningstar Total Stock Market

$16,375

MeasureVTECVTI

Fee0.06%0.03%

Cost on $10k a year$6$3

Yield3.18%1.09%

5 years, per year[…]+10.4%

3 years, per year[…]+21.7%

Worst drop · 1Y−6.4%−8.9%

Volatility · 1Y3.4%13.7%

3–1measures won
VTEC first

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

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

Overlap: VTEC, VTI, SPY

Today

85.5%most shared, VTI and SPY

VTECVTISPY

VTEC—[…][…]

VTI[…]—85.5%

SPY[…]85.5%—

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

Income After Fees on $10,000

$312most kept, VTEC

VTEC$318 − $6 = $312

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

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