TOPT vs VTI
iShares Top 20 US Stocks ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TOPT or VTI?
Each has led over a different period.
VTI has a lower expense ratio. TOPT led over the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.90. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 70.8%.
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 | TOPT | VTI |
|---|---|---|
| Expense Ratio | 0.20% | 0.03%Best |
| AUM | $662M | $666.9B |
| Dividend Yield | 0.38% | 1.03% |
| Holdings | 25 | 3,543 |
| YTD Return | +10.77% | +12.28%Best |
| 1Y Return | +15.14% | +16.78%Best |
| 3Y Return (annualized) | - | +20.89% |
| 5Y Return (annualized) | - | +11.94% |
| Volatility (annualized) | 15.4% | 13.2%Best |
| Max Drawdown | -21.2% | -19.3%Best |
| $10,000 over 1.9 years | $13,946Best | $13,421 |
| Top 10 Weight | 70.8% | 33.3%Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Oct 23, 2024 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1.9 years row, are measured over the window both funds cover: Oct 24, 2024 to Sep 17, 2026 (1.9 years).
TOPT 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 covers the 1.9 years both funds cover.
TOPT vs VTI Performance
iShares Top 20 US Stocks ETF (TOPT) is an ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TOPT returned +15.14% while VTI returned +16.78%. Year to date, TOPT is up 10.77% versus a gain of 12.28% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TOPT has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 13.2% 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 -21.2% for TOPT and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.90. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TOPT charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, TOPT currently yields 0.38% against 1.03% for VTI.
Holdings Overlap
100.0% of TOPT's money is in holdings VTI also owns. 43.0% of VTI's money is in holdings TOPT also owns.
Most of TOPT is already inside VTI. Owning both mostly buys the same companies twice.
21 positions in common, counted across the 22 positions we hold weights for in TOPT and 3,463 in VTI, against full books of 25 and 3,543.
What only one of them owns
Our book lists 1,129 positions for VTI that do not appear in our book for TOPT (54.4% of the fund), and 0 for TOPT that do not appear in VTI (0.0%).
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 TOPT | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 16.76% | 6.40% | 10.36% |
| AAPLApple, Inc | 14.58% | 6.29% | 8.29% |
| MSFTMicrosoft Corp | 6.59% | 4.79% | 1.80% |
| GOOGLAlphabet Inc,class A | 6.24% | 2.90% | 3.34% |
| AMZNAmazon.Com Inc | 4.66% | 3.65% | 1.01% |
| GOOGAlphabet Inc | 4.97% | 2.31% | 2.66% |
| AVGOBroadcom Inc | 4.25% | 2.56% | 1.69% |
| METAMeta Platforms Inc | 4.28% | 1.70% | 2.58% |
| MUMicron Technology, Inc. | 4.35% | 1.29% | 3.06% |
| TSLATesla Inc | 4.12% | 1.22% | 2.90% |
100.0% of TOPT 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, TOPT or VTI?
TOPT has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option, by $17 a year on a $10,000 investment.
Which performed better, TOPT or VTI?
Over the past year TOPT returned +15.14% vs +16.78% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TOPT annualized +19.13% vs +16.75% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, TOPT or VTI?
TOPT has been the more volatile fund at 15.4% annualized versus 13.2% for VTI. Worst drawdown: TOPT -21.2% vs VTI -19.3%.
Should I hold both TOPT and VTI?
TOPT and VTI have a monthly-return correlation of 0.90, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between TOPT and VTI?
100.0% of TOPT's money is in holdings VTI also owns. 43.0% of VTI's is in holdings TOPT also owns. They hold 21 positions in common, counted across the 22 positions we hold weights for in TOPT and 3,463 in VTI.
Which pays a higher dividend, TOPT or VTI?
TOPT yields 0.38% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than TOPT?
VTI has a lower expense ratio. TOPT led over the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.90. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 70.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.