TINS vs VTI
Franklin Templeton International Insights ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TINS or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 34.0%.
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 | $690.1B |
| Dividend Yield | 0.21% | 1.03% |
| Holdings | 54 | 3,524 |
| YTD Return | +8.82% | +14.72%Best |
| 1Y Return | +13.90% | +16.82%Best |
| 3Y Return (annualized) | - | +22.93% |
| 5Y Return (annualized) | - | +12.78% |
| Volatility (annualized) | 13.9% | 13.1%Best |
| Top 10 Weight | 34.0% | 33.3%Best |
| 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 |
Not shown on this pair: Max Drawdown, $10,000 over the window.
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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
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 +13.90% while VTI returned +16.82%. Year to date, TINS is up 8.82% versus a gain of 14.72% 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 13.9% compared with 13.1% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.74. 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 1.03% for VTI.
Holdings Overlap
3.6% of TINS's money is in holdings VTI also owns. 0.1% of VTI's money is in holdings TINS also owns.
TINS and VTI share little of their money.
The two holdings books were reported 46 days apart, TINS as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
2 positions in common, counted across the 49 positions we hold weights for in TINS and 3,463 in VTI, against full books of 54 and 3,524.
What only one of them owns
Our book lists 1,150 positions for VTI that do not appear in our book for TINS (97.5% of the fund), and 2 for TINS that do not appear in VTI (5.7%).
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 TINS 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, 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 +13.90% vs +16.82% for VTI, so VTI leads on 1-year performance. 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 13.9% annualized versus 13.1% for VTI.
Should I hold both TINS and VTI?
TINS and VTI have a monthly-return correlation of 0.74, 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?
3.6% of TINS's money is in holdings VTI also owns. 0.1% of VTI's is in holdings TINS also owns. They hold 2 positions in common, counted across the 49 positions we hold weights for in TINS and 3,463 in VTI.
Which pays a higher dividend, TINS or VTI?
TINS yields 0.21% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than TINS?
VTI has a lower expense ratio. VTI led over 1Y. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 34.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.