TOAO vs VTI
Twin Oak Active Opportunities III 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 | TOAO | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.95% | 0.03% | |
| AUM | $448M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 49 | 3,543 | |
| YTD Return | +7.63% | +13.14% | |
| 1Y Return | - | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -4.2% | -56.6% | |
| Fund Family | Twin Oak | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 24, 2026 | May 24, 2001 |
TOAO vs VTI Performance
Twin Oak Active Opportunities III ETF (TOAO) is a ETF from Twin Oak and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, TOAO is up 7.63% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -4.2% for TOAO 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
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 1.07% for VTI.
Holdings Overlap
TOAO and VTI share 18 holdings out of 2797 unique holdings combined, representing a 23.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $92 per year of difference.
What is the holdings overlap between TOAO and VTI?
TOAO and VTI share 18 common holdings with a 23.3% weight overlap. Combined, they hold 2797 unique securities.
Which pays a higher dividend, TOAO or VTI?
TOAO yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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