TOCT vs VTI
Innovator Equity Defined Protection ETF - 2 Yr to October 2027 vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | TOCT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.03% | |
| AUM | $15M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 5 | 3,543 | |
| YTD Return | +3.01% | +12.65% | |
| 1Y Return | +3.36% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -2.0% | -56.6% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Oct 1, 2025 | May 24, 2001 |
TOCT vs VTI Performance
Innovator Equity Defined Protection ETF - 2 Yr to October 2027 (TOCT) is a ETF from Innovator ETFs Trust and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TOCT returned +3.36% while VTI returned +21.39%. Year to date, TOCT is up 3.01% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.0% for TOCT 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
TOCT charges 0.79% per year while VTI charges 0.03%. On a $10,000 position that is $79 vs $3 annually, a gap of $76 per year that compounds over a long holding period. On income, TOCT currently yields 0.00% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, TOCT or VTI?
TOCT has an expense ratio of 0.79% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, TOCT or VTI?
Over the past year TOCT returned +3.36% vs +21.39% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results.
Which pays a higher dividend, TOCT or VTI?
TOCT yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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