VTI vs VUSI
Vanguard Morningstar Total Stock Market ETF vs Voya Ultra Short Income ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | VUSI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $666.9B | $135M | |
| Dividend Yield | 1.07% | 0.50% | |
| Holdings | 3,543 | 347 | |
| YTD Return | +13.14% | +0.21% | |
| 1Y Return | +20.29% | - | |
| 3Y Return (annualized) | +21.42% | - | |
| 5Y Return (annualized) | +12.00% | - | |
| Volatility (annualized) | 15.3% | - | |
| Max Drawdown | -56.6% | -0.9% | |
| Fund Family | Vanguard (US) | Voya Investment Management | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Nov 18, 2025 |
VTI vs VUSI Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Voya Ultra Short Income ETF (VUSI) is a ETF from Voya Investment Management. Year to date, VTI is up 13.14% versus a gain of 0.21% for VUSI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -56.6% for VTI and -0.9% for VUSI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
VTI charges 0.03% per year while VUSI charges 0.25%. On a $10,000 position that is $3 vs $25 annually, a gap of $22 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 0.50% for VUSI.
Holdings Overlap
VTI and VUSI share 0 holdings out of 2983 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 VUSI?
VTI has an expense ratio of 0.03% while VUSI charges 0.25%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
What is the holdings overlap between VTI and VUSI?
VTI and VUSI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2983 unique securities.
Which pays a higher dividend, VTI or VUSI?
VTI yields 1.07% while VUSI yields 0.50%, so VTI currently pays the higher dividend yield.
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