TOAO vs VTI
Twin Oak Active Opportunities III ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TOAO or VTI?
VTI costs less.
VTI has a lower expense ratio.
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 | TOAO | VTI |
|---|---|---|
| Expense Ratio | 0.95% | 0.03%Best |
| AUM | $439M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 49 | 3,543 |
| YTD Return | +7.48% | +12.57%Best |
| 1Y Return | - | +17.22% |
| 3Y Return (annualized) | - | +20.87% |
| 5Y Return (annualized) | - | +11.86% |
| Fund Family | Twin Oak | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Apr 24, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
TOAO 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.
TOAO vs VTI Performance
Twin Oak Active Opportunities III ETF (TOAO) is an ETF from Twin Oak and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, TOAO is up 7.48% versus a gain of 12.57% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
TOAO charges 0.95% per year while VTI charges 0.03%. On a $10,000 position that is $95 vs $3 annually, a gap of $92 per year that compounds over a long holding period. On income, TOAO currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 25 holdings in TOAO and 2,787 in VTI, totalling 92.6% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 18 positions appear in both.
The two holdings books were reported 56 days apart, TOAO as of Aug 25, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
18 positions in common, counted across the 25 positions we hold weights for in TOAO and 2,787 in VTI, against full books of 49 and 3,543.
Top Shared Holdings
| Stock | Weight in TOAO | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 5.77% | 6.32% | 0.55% |
| AMZNAmazon.Com Inc | 7.25% | 3.17% | 4.08% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 5.24% | 3.81% | 1.43% |
| AVGOBroadcom Inc | 5.49% | 2.46% | 3.03% |
| CRWDCrowdstrike Holdings Inc. Class A | 7.17% | 0.25% | 6.92% |
| GOOGAlphabet Inc | 4.79% | 2.27% | 2.52% |
| AMDAdvanced Micro Devices Inc. | 3.84% | 1.30% | 2.54% |
| NETCloudflare Inc (180 Day Lockup) | 4.32% | 0.11% | 4.21% |
| SCHWCharles Schwab Corp. | 4.20% | 0.21% | 3.99% |
| VVisa Inc | 2.82% | 0.77% | 2.05% |
You are not choosing between two funds in isolation.
Whichever of TOAO 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, TOAO or VTI?
TOAO has an expense ratio of 0.95% while VTI charges 0.03%. VTI is the cheaper option, by $92 a year on a $10,000 investment.
Which pays a higher dividend, TOAO or VTI?
TOAO yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than TOAO?
VTI has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.