VTI vs VTIP
Vanguard Morningstar Total Stock Market ETF vs Vanguard Short-Term Inflation-Protected Securities ETF
Which is better, VTI or VTIP?
VTI has been ahead.
VTI led over 1Y, 3Y, 5Y and the full window.
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 | VTI | VTIP |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $666.9B | $19.8B |
| Dividend Yield | 1.03% | 4.16% |
| Holdings | 3,543 | 25 |
| YTD Return | +12.30%Best | +1.13% |
| 1Y Return | +16.08%Best | +1.38% |
| 3Y Return (annualized) | +21.01%Best | +5.10% |
| 5Y Return (annualized) | +12.36%Best | +3.13% |
| Volatility (annualized) | 14.6% | 2.4%Best |
| Max Drawdown | -35.0% | -7.1%Best |
| $10,000 over 5 years | $17,908Best | $11,666 |
| Fund Family | Vanguard (US) | Vanguard (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | - |
| Inception | May 24, 2001 | Oct 12, 2012 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 16, 2012 to Sep 18, 2026 (13.9 years).
VTI vs VTIP 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.
VTI vs VTIP Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Vanguard Short-Term Inflation-Protected Securities ETF (VTIP) is an ETF from Vanguard (US). Over the past year VTI returned +16.08% while VTIP returned +1.38%. Year to date, VTI is up 12.30% versus a gain of 1.13% for VTIP.
Over three years, VTI compounded at +21.01% per year against +5.10% for VTIP; over five years the annualized figures are +12.36% and +3.13% respectively. Across the full 14-year window we track, VTI has the edge at +12.95% annualized vs +1.51%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 2.4% for VTIP. 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 -35.0% for VTI and -7.1% for VTIP. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.47. They move together some of the time, and apart the rest.
Fees and Cost Over Time
VTI charges 0.03% per year while VTIP charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, VTI currently yields 1.03% against 4.16% for VTIP.
Holdings Overlap
We hold position weights for 3,463 holdings in VTI and 24 in VTIP, totalling 98.1% and 89.6% of the two funds. That is not enough of VTIP to divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
1 positions in common, counted across the 3,463 positions we hold weights for in VTI and 24 in VTIP, against full books of 3,543 and 25.
Top Shared Holdings
| Stock | Weight in VTI | Weight in VTIP | Difference |
|---|---|---|---|
| CURVVanguard Market Liquidity Fund | 0.00% | 2.68% | 2.68% |
You are not choosing between two funds in isolation.
Whichever of VTI and VTIP you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or VTIP?
VTI has an expense ratio of 0.03% while VTIP charges 0.03%. At the precision these are quoted to, they cost the same.
Which performed better, VTI or VTIP?
Over the past year VTI returned +16.08% vs +1.38% for VTIP, so VTI leads on 1-year performance. Over the longest common window we track (14 years), VTI annualized +12.95% vs +1.51% for VTIP. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or VTIP?
VTI has been the more volatile fund at 14.6% annualized versus 2.4% for VTIP. Worst drawdown: VTI -35.0% vs VTIP -7.1%.
Should I hold both VTI and VTIP?
VTI and VTIP have a monthly-return correlation of 0.47, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VTI or VTIP?
VTI yields 1.03% while VTIP yields 4.16%, so VTIP currently pays the higher dividend yield.
Is VTIP better than VTI?
VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.