TOPC vs VTI
iShares S&P 500 3% Capped 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 | TOPC | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.03% | |
| AUM | $32M | $666.9B | |
| Dividend Yield | 1.06% | 1.07% | |
| Holdings | 509 | 3,543 | |
| YTD Return | +13.74% | +13.86% | |
| 1Y Return | +20.28% | +20.74% | |
| 3Y Return (annualized) | - | +21.66% | |
| 5Y Return (annualized) | - | +11.90% | |
| Volatility (annualized) | 11.1% | 15.3% | |
| Max Drawdown | -8.0% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 15, 2025 | May 24, 2001 |
TOPC vs VTI Performance
iShares S&P 500 3% Capped ETF (TOPC) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TOPC returned +20.28% while VTI returned +20.74%. Year to date, TOPC is up 13.74% versus a gain of 13.86% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.1% for TOPC. 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 -8.0% for TOPC 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TOPC charges 0.09% per year while VTI charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, TOPC currently yields 1.06% against 1.07% for VTI.
Holdings Overlap
TOPC and VTI share 451 holdings out of 2828 unique holdings combined, representing a 75.1% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, TOPC or VTI?
TOPC has an expense ratio of 0.09% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, TOPC or VTI?
Over the past year TOPC returned +20.28% vs +20.74% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), TOPC annualized +31.56% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, TOPC or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.1% for TOPC. Worst drawdown: TOPC -8.0% vs VTI -56.6%.
Should I hold both TOPC and VTI?
TOPC and VTI have a monthly-return correlation of 0.99, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between TOPC and VTI?
TOPC and VTI share 451 common holdings with a 75.1% weight overlap. Combined, they hold 2828 unique securities.
Which pays a higher dividend, TOPC or VTI?
TOPC yields 1.06% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.