IPOS vs VTI
Renaissance International IPO ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IPOS or VTI?
Mid Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. IPOS led over 1Y, VTI over 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 62.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IPOS | VTI |
|---|---|---|
| Expense Ratio | 0.80% | 0.03%Best |
| AUM | $12M | $666.9B |
| Dividend Yield | 0.34% | 1.03% |
| Holdings | 55 | 3,543 |
| YTD Return | +26.03%Best | +13.60% |
| 1Y Return | +25.24%Best | +18.17% |
| 3Y Return (annualized) | +17.89% | +23.04%Best |
| 5Y Return (annualized) | -6.23% | +12.14%Best |
| Volatility (annualized) | 21.8% | 15.3%Best |
| Max Drawdown | -73.1% | -35.0%Best |
| $10,000 over 5 years | $7,250 | $17,734Best |
| Top 10 Weight | 62.5% | 33.3%Best |
| Fund Family | Renaissance Capital | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Blend |
| Inception | Oct 6, 2014 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Oct 7, 2014 to Sep 25, 2026 (12 years).
IPOS vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 12 years both funds cover.
IPOS vs VTI Performance
Renaissance International IPO ETF (IPOS) is an ETF from Renaissance Capital and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year IPOS returned +25.24% while VTI returned +18.17%. Year to date, IPOS is up 26.03% versus a gain of 13.60% for VTI.
Over three years, IPOS compounded at +17.89% per year against +23.04% for VTI; over five years the annualized figures are -6.23% and +12.14% respectively. Across the full 12-year window we track, VTI has the edge at +12.58% annualized vs +0.88%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IPOS has been the more volatile fund, with annualized monthly volatility of 21.8% compared with 15.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -73.1% for IPOS and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.56. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IPOS charges 0.80% per year while VTI charges 0.03%. On a $10,000 position that is $80 vs $3 annually, a gap of $77 per year that compounds over a long holding period. On income, IPOS currently yields 0.34% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 47 holdings in IPOS and 3,463 in VTI, totalling 98.5% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 47 positions we hold weights for in IPOS and 3,463 in VTI, against full books of 55 and 3,543.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for IPOS (97.5% of the fund), and 0 for IPOS that do not appear in VTI (0.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of IPOS and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IPOS or VTI?
IPOS has an expense ratio of 0.80% while VTI charges 0.03%. VTI is the cheaper option, by $77 a year on a $10,000 investment.
Which performed better, IPOS or VTI?
Over the past year IPOS returned +25.24% vs +18.17% for VTI, so IPOS leads on 1-year performance. Over the longest common window we track (12 years), IPOS annualized +0.88% vs +12.58% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IPOS or VTI?
IPOS has been the more volatile fund at 21.8% annualized versus 15.3% for VTI. Worst drawdown: IPOS -73.1% vs VTI -35.0%.
Should I hold both IPOS and VTI?
IPOS and VTI have a monthly-return correlation of 0.56, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IPOS or VTI?
IPOS yields 0.34% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than IPOS?
VTI has a lower expense ratio. IPOS led over 1Y, VTI over 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 62.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.