VTI vs ZTOP
Vanguard Morningstar Total Stock Market ETF vs F/m High Yield 100 ETF
Which is better, VTI or ZTOP?
Large Cap Blend against High Yield Bond.
VTI has a lower expense ratio. VTI led over 1Y 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 | ZTOP |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.39% |
| AUM | $666.9B | $16M |
| Dividend Yield | 1.03% | 6.26% |
| Holdings | 3,543 | 103 |
| YTD Return | +13.60%Best | +0.40% |
| 1Y Return | +18.17%Best | +1.93% |
| 3Y Return (annualized) | +23.04% | - |
| 5Y Return (annualized) | +12.14% | - |
| Volatility (annualized) | 11.9% | 3.5%Best |
| Max Drawdown | -8.9% | -2.5%Best |
| $10,000 over 1.4 years | $14,440Best | $10,887 |
| Fund Family | Vanguard (US) | F-m investments |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | High Yield Bond |
| Inception | May 24, 2001 | Apr 14, 2025 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.4 years row, are measured over the window both funds cover: Apr 15, 2025 to Sep 25, 2026 (1.4 years).
VTI vs ZTOP 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 covers the 1.4 years both funds cover.
VTI vs ZTOP Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and F/m High Yield 100 ETF (ZTOP) is an ETF from F-m investments. Over the past year VTI returned +18.17% while ZTOP returned +1.93%. Year to date, VTI is up 13.60% versus a gain of 0.40% for ZTOP.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 11.9% compared with 3.5% for ZTOP. 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 -8.9% for VTI and -2.5% for ZTOP. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while ZTOP charges 0.39%. On a $10,000 position that is $3 vs $39 annually, a gap of $36 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 6.26% for ZTOP.
Holdings Overlap
We hold position weights for 3,463 holdings in VTI and 75 in ZTOP, totalling 98.1% and 72.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 3,463 positions we hold weights for in VTI and 75 in ZTOP, against full books of 3,543 and 103.
You are not choosing between two funds in isolation.
Whichever of VTI and ZTOP 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 ZTOP?
VTI has an expense ratio of 0.03% while ZTOP charges 0.39%. VTI is the cheaper option, by $36 a year on a $10,000 investment.
Which performed better, VTI or ZTOP?
Over the past year VTI returned +18.17% vs +1.93% for ZTOP, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +30.01% vs +6.26% for ZTOP. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or ZTOP?
VTI has been the more volatile fund at 11.9% annualized versus 3.5% for ZTOP. Worst drawdown: VTI -8.9% vs ZTOP -2.5%.
Should I hold both VTI and ZTOP?
VTI and ZTOP have a monthly-return correlation of 0.71, 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 ZTOP?
VTI yields 1.03% while ZTOP yields 6.26%, so ZTOP currently pays the higher dividend yield.
Is ZTOP better than VTI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.