VTI vs VTP
Vanguard Total Stock Market ETF vs Vanguard Total Inflation-Protected Securities ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | VTI | VTP | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.05% | |
| AUM | $663.5B | $159M | |
| Dividend Yield | 1.07% | 1.61% | |
| Holdings | 3,543 | 51 | |
| YTD Return | +13.87% | +0.64% | |
| 1Y Return | +23.31% | +1.77% | |
| 3Y Return (annualized) | +21.17% | - | |
| 5Y Return (annualized) | +12.23% | - | |
| Volatility (annualized) | 15.3% | 2.9% | |
| Max Drawdown | -56.6% | -1.9% | |
| Fund Family | Vanguard (US) | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Jul 7, 2025 |
VTI vs VTP Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Vanguard Total Inflation-Protected Securities ETF (VTP) is a ETF from Vanguard (US). Over the past year VTI returned +23.31% while VTP returned +1.77%. Year to date, VTI is up 13.87% versus a gain of 0.64% for VTP.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 2.9% for VTP. 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 -56.6% for VTI and -1.9% for VTP. 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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while VTP charges 0.05%. On a $10,000 position that is $3 vs $5 annually, a gap of $2 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 1.61% for VTP.
Holdings Overlap
VTI and VTP share 0 holdings out of 2826 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, VTI or VTP?
VTI has an expense ratio of 0.03% while VTP charges 0.05%. VTI is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, VTI or VTP?
Over the past year VTI returned +23.31% vs +1.77% for VTP, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.13% vs +2.64% for VTP. Past performance does not guarantee future results.
Which is riskier, VTI or VTP?
VTI has been the more volatile fund at 15.3% annualized versus 2.9% for VTP. Worst drawdown: VTI -56.6% vs VTP -1.9%.
Should I hold both VTI and VTP?
VTI and VTP have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and VTP?
VTI and VTP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2826 unique securities.
Which pays a higher dividend, VTI or VTP?
VTI yields 1.07% while VTP yields 1.61%, so VTP currently pays the higher dividend yield.
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