VOO vs VTILX
Vanguard S&P 500 ETF vs Vanguard Total International Bond II Index Fund Class Institutional
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VTILX offers more diversification with 7,391 holdings.
Side-by-Side Comparison
| Metric | VOO | VTILX | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.07% | |
| AUM | $997.4B | $141.9B | |
| Dividend Yield | 1.08% | 4.19% | |
| Holdings | 509 | 7,391 | |
| YTD Return | +14.27% | -1.23% | |
| 1Y Return | +21.79% | -3.17% | |
| 3Y Return (annualized) | +22.19% | -0.31% | |
| 5Y Return (annualized) | +13.28% | - | |
| Volatility (annualized) | 14.2% | 6.0% | |
| Max Drawdown | -34.3% | -15.3% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Sep 7, 2010 | Feb 17, 2021 |
VOO vs VTILX Performance
Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US) and Vanguard Total International Bond II Index Fund Class Institutional (VTILX) is a mutual fund from Vanguard (US). Over the past year VOO returned +21.79% while VTILX returned -3.17%. Year to date, VOO is up 14.27% versus a loss of 1.23% for VTILX.
Over three years, VOO compounded at +22.19% per year against -0.31% for VTILX. Across the full 5-year window we track, VOO has the edge at +13.59% annualized vs -2.87%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 6.0% for VTILX. 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 -34.3% for VOO and -15.3% for VTILX. 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VOO charges 0.03% per year while VTILX charges 0.07%. On a $10,000 position that is $3 vs $7 annually, a gap of $4 per year that compounds over a long holding period. On income, VOO currently yields 1.08% against 4.19% for VTILX.
Holdings Overlap
VOO and VTILX share 12 holdings out of 1952 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VOO or VTILX?
VOO has an expense ratio of 0.03% while VTILX charges 0.07%. VOO is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, VOO or VTILX?
Over the past year VOO returned +21.79% vs -3.17% for VTILX, so VOO leads on 1-year performance. Over the longest common window we track (5 years), VOO annualized +13.59% vs -2.87% for VTILX. Past performance does not guarantee future results.
Which is riskier, VOO or VTILX?
VOO has been the more volatile fund at 14.2% annualized versus 6.0% for VTILX. Worst drawdown: VOO -34.3% vs VTILX -15.3%.
Should I hold both VOO and VTILX?
VOO and VTILX have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VOO and VTILX?
VOO and VTILX share 12 common holdings with a 0.0% weight overlap. Combined, they hold 1952 unique securities.
Which pays a higher dividend, VOO or VTILX?
VOO yields 1.08% while VTILX yields 4.19%, so VTILX currently pays the higher dividend yield.
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