TINS vs VTI
Franklin Templeton International Insights ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TINS or VTI?
TINS has been ahead.
VTI has a lower expense ratio. TINS led over 1Y and the full window. TINS is less concentrated, with 26.5% of the fund in its ten largest positions against 34.6%.
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 | TINS | VTI |
|---|---|---|
| Expense Ratio | 0.55% | 0.03%Best |
| AUM | $6M | $689.2B |
| Dividend Yield | 0.21% | 1.06% |
| Holdings | 168 | 3,542 |
| YTD Return | +9.55% | +12.23%Best |
| 1Y Return | +14.00%Best | +12.74% |
| 3Y Return (annualized) | - | +21.44% |
| 5Y Return (annualized) | - | +10.83% |
| Volatility (annualized) | 13.6% | 12.6%Best |
| Max Drawdown | -10.8% | -8.9%Best |
| $10,000 over 1.1 years | $11,540Best | $11,507 |
| Top 10 Weight | 26.5%Best | 34.6% |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Oct 21, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Oct 23, 2025 to Nov 11, 2026 (1.1 years).
TINS 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 1.1 years both funds cover.
TINS vs VTI Performance
Franklin Templeton International Insights ETF (TINS) is an ETF from Franklin Templeton Investments (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TINS returned +14.00% while VTI returned +12.74%. Year to date, TINS is up 9.55% versus a gain of 12.23% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TINS has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.6% 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 -10.8% for TINS and -8.9% 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TINS charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, TINS currently yields 0.21% against 1.06% for VTI.
Holdings Overlap
98.1% of TINS's money is in holdings VTI also owns. 6.8% of VTI's money is in holdings TINS also owns.
Most of TINS is already inside VTI. Owning both mostly buys the same companies twice.
112 positions in common, counted across the 114 positions we hold weights for in TINS and 3,464 in VTI, against full books of 168 and 3,542.
What only one of them owns
Our book lists 1,042 positions for VTI that do not appear in our book for TINS (90.1% of the fund), and 1 for TINS that do not appear in VTI (0.1%).
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.
Top Shared Holdings
| Stock | Weight in TINS | Weight in VTI | Difference |
|---|---|---|---|
| JNJJohnson & Johnson - Common | 2.72% | 0.87% | 1.85% |
| KOCoca Cola Co. | 2.99% | 0.45% | 2.54% |
| CVXChevron Corp | 2.86% | 0.52% | 2.34% |
| PGProcter & Gamble Company | 2.70% | 0.46% | 2.24% |
| MOAltria Group Inc | 2.75% | 0.15% | 2.60% |
| VZVerizon Communic | 2.57% | 0.26% | 2.31% |
| HDHome Depot Inc | 2.38% | 0.39% | 1.99% |
| PEPPepsico Inc | 2.43% | 0.24% | 2.19% |
| KMBKimberly-Clark Corp. | 2.61% | 0.04% | 2.57% |
| USBUS Bancorp | 2.46% | 0.12% | 2.34% |
98.1% of TINS is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, TINS or VTI?
TINS has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option, by $52 a year on a $10,000 investment.
Which performed better, TINS or VTI?
Over the past year TINS returned +14.00% vs +12.74% for VTI, so TINS leads on 1-year performance. Over the longest common window we track (1 years), TINS annualized +13.91% vs +13.61% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TINS or VTI?
TINS has been the more volatile fund at 13.6% annualized versus 12.6% for VTI. Worst drawdown: TINS -10.8% vs VTI -8.9%.
Should I hold both TINS and VTI?
TINS and VTI have a monthly-return correlation of 0.75, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between TINS and VTI?
98.1% of TINS's money is in holdings VTI also owns. 6.8% of VTI's is in holdings TINS also owns. They hold 112 positions in common, counted across the 114 positions we hold weights for in TINS and 3,464 in VTI.
Which pays a higher dividend, TINS or VTI?
TINS yields 0.21% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than TINS?
VTI has a lower expense ratio. TINS led over 1Y and the full window. TINS is less concentrated, with 26.5% of the fund in its ten largest positions against 34.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.