TOS vs VTI
Twin Oak Strategic Solutions ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TOS or VTI?
VTI costs less.
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 76.1%.
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 | TOS | VTI |
|---|---|---|
| Expense Ratio | 0.36% | 0.03%Best |
| AUM | $153M | $666.9B |
| Dividend Yield | 0.00% | 1.03% |
| Holdings | 28 | 3,543 |
| YTD Return | +15.68%Best | +11.06% |
| 1Y Return | - | +15.41% |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Top 10 Weight | 76.1% | 33.3%Best |
| Fund Family | Twin Oak | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jan 27, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
TOS 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
TOS vs VTI Performance
Twin Oak Strategic Solutions ETF (TOS) is an ETF from Twin Oak and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, TOS is up 15.68% versus a gain of 11.06% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
TOS charges 0.36% per year while VTI charges 0.03%. On a $10,000 position that is $36 vs $3 annually, a gap of $33 per year that compounds over a long holding period. On income, TOS currently yields 0.00% against 1.03% for VTI.
Holdings Overlap
48.6% of TOS's money is in holdings VTI also owns. 14.1% of VTI's money is in holdings TOS also owns.
The two portfolios partly overlap.
12 positions in common, counted across the 20 positions we hold weights for in TOS and 3,463 in VTI, against full books of 28 and 3,543.
What only one of them owns
Our book lists 1,138 positions for VTI that do not appear in our book for TOS (83.4% of the fund), and 5 for TOS that do not appear in VTI (22.4%).
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 TOS | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 9.97% | 6.40% | 3.57% |
| AMZNAmazon.Com Inc | 5.11% | 3.65% | 1.46% |
| COHRCoherent Corp | 6.68% | 0.07% | 6.61% |
| UNPUnion Pacific Corp | 6.10% | 0.24% | 5.86% |
| CEGConstellation Energy Corporation Com | 5.38% | 0.12% | 5.26% |
| LRCXLrcx Uw Equity | 4.48% | 0.51% | 3.97% |
| LYVLive Nation Entertainment Inc | 4.19% | 0.04% | 4.15% |
| KOCoca Cola Co. | 3.61% | 0.42% | 3.19% |
| MUMicron Technology, Inc. | 0.97% | 1.29% | 0.32% |
| SNDKSandisk Corp/De | 1.10% | 0.25% | 0.85% |
48.6% of TOS 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, TOS or VTI?
TOS has an expense ratio of 0.36% while VTI charges 0.03%. VTI is the cheaper option, by $33 a year on a $10,000 investment.
What is the holdings overlap between TOS and VTI?
48.6% of TOS's money is in holdings VTI also owns. 14.1% of VTI's is in holdings TOS also owns. They hold 12 positions in common, counted across the 20 positions we hold weights for in TOS and 3,463 in VTI.
Which pays a higher dividend, TOS or VTI?
TOS yields 0.00% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than TOS?
VTI has a lower expense ratio. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 76.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.