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. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 58.0%.
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 | TOAO | VTI |
|---|---|---|
| Expense Ratio | 0.95% | 0.03%Best |
| AUM | $444M | $690.1B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 49 | 3,524 |
| YTD Return | +9.93% | +14.43%Best |
| 1Y Return | - | +18.05% |
| 3Y Return (annualized) | - | +22.93% |
| 5Y Return (annualized) | - | +12.74% |
| Top 10 Weight | 58.0% | 33.3%Best |
| 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.
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 9.93% versus a gain of 14.43% 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
72.0% of TOAO's money is in holdings VTI also owns. 26.0% of VTI's money is in holdings TOAO also owns.
Most of TOAO is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 48 days apart, TOAO as of Sep 17, 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.
20 positions in common, counted across the 28 positions we hold weights for in TOAO and 3,463 in VTI, against full books of 49 and 3,524.
What only one of them owns
Our book lists 1,130 positions for VTI that do not appear in our book for TOAO (71.5% of the fund), and 3 for TOAO that do not appear in VTI (8.8%).
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 TOAO | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.00% | 6.40% | 0.40% |
| AMZNAmazon.Com Inc | 6.89% | 3.65% | 3.24% |
| MSFTMicrosoft Corp | 5.34% | 4.79% | 0.55% |
| CRWDCrowdstrike Holdings Inc | 9.19% | 0.26% | 8.93% |
| AVGOBroadcom Inc | 5.27% | 2.56% | 2.71% |
| GOOGAlphabet Inc. C | 4.77% | 2.31% | 2.46% |
| METAMeta Platforms Inc | 4.06% | 1.70% | 2.36% |
| AMDAdvanced Micro Devices Inc | 4.37% | 1.08% | 3.29% |
| NETCloudflare Inc (180 Day Lockup) | 5.07% | 0.12% | 4.95% |
| SCHWSchwab Strategic T | 3.93% | 0.24% | 3.69% |
72.0% of TOAO 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, 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.
What is the holdings overlap between TOAO and VTI?
72.0% of TOAO's money is in holdings VTI also owns. 26.0% of VTI's is in holdings TOAO also owns. They hold 20 positions in common, counted across the 28 positions we hold weights for in TOAO and 3,463 in VTI.
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. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 58.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.