TMSF vs VTI
T. Rowe Price Multi-Sector Income ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | TMSF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.37% | 0.03% | |
| AUM | $59M | $666.9B | |
| Dividend Yield | 3.77% | 1.07% | |
| Holdings | 401 | 3,543 | |
| YTD Return | +3.24% | +13.12% | |
| 1Y Return | - | +20.82% | |
| 3Y Return (annualized) | - | +21.43% | |
| 5Y Return (annualized) | - | +11.84% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -2.3% | -56.6% | |
| Fund Family | T.Rowe Price | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 19, 2025 | May 24, 2001 |
TMSF vs VTI Performance
T. Rowe Price Multi-Sector Income ETF (TMSF) is a ETF from T.Rowe Price and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, TMSF is up 3.24% versus a gain of 13.12% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.3% for TMSF and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
TMSF charges 0.37% per year while VTI charges 0.03%. On a $10,000 position that is $37 vs $3 annually, a gap of $34 per year that compounds over a long holding period. On income, TMSF currently yields 3.77% against 1.07% for VTI.
Holdings Overlap
TMSF and VTI share 1 holdings out of 2915 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in TMSF | Weight in VTI | Difference |
|---|---|---|---|
| TMUS | 0.12% | 0.10% | 0.02% |
Frequently Asked Questions
Which is cheaper, TMSF or VTI?
TMSF has an expense ratio of 0.37% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
What is the holdings overlap between TMSF and VTI?
TMSF and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 2915 unique securities.
Which pays a higher dividend, TMSF or VTI?
TMSF yields 3.77% while VTI yields 1.07%, so TMSF currently pays the higher dividend yield.
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