TOGA vs VTI
Tremblant Global ETF 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 | TOGA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $184M | $666.9B | |
| Dividend Yield | 0.00% | 1.07% | |
| Holdings | 29 | 3,543 | |
| YTD Return | -7.93% | +13.14% | |
| 1Y Return | -7.55% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 17.8% | 15.3% | |
| Max Drawdown | -28.5% | -56.6% | |
| Fund Family | Tremblant Advisors LP | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 1, 2022 | May 24, 2001 |
TOGA vs VTI Performance
Tremblant Global ETF (TOGA) is a ETF from Tremblant Advisors LP and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TOGA returned -7.55% while VTI returned +22.35%. Year to date, TOGA is down 7.93% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
TOGA has been the more volatile fund, with annualized monthly volatility of 17.8% compared with 15.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -28.5% for TOGA and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TOGA charges 0.69% per year while VTI charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, TOGA currently yields 0.00% against 1.07% for VTI.
Holdings Overlap
TOGA and VTI share 21 holdings out of 2796 unique holdings combined, representing a 3.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TOGA or VTI?
TOGA has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, TOGA or VTI?
Over the past year TOGA returned -7.55% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TOGA annualized +9.43% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, TOGA or VTI?
TOGA has been the more volatile fund at 17.8% annualized versus 15.3% for VTI. Worst drawdown: TOGA -28.5% vs VTI -56.6%.
Should I hold both TOGA and VTI?
TOGA and VTI have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TOGA and VTI?
TOGA and VTI share 21 common holdings with a 3.9% weight overlap. Combined, they hold 2796 unique securities.
Which pays a higher dividend, TOGA or VTI?
TOGA yields 0.00% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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