VTI vs ITOT: Differences, Fees and Returns
VTI and ITOT cost the same: a 0.03% TER a year.
They do not track the same thing: VTI follows the CRSP US Total Market Index and ITOT the S&P Total Market Index. Any difference in returns will come mainly from that exposure, not from the fee.
Over the last 10 years, VTI and ITOT returned practically the same, around 14.81% a year.
Head-to-head comparison
| VTI | ITOT | |
|---|---|---|
| Name | Vanguard Total Stock Market ETF | iShares Core S&P Total US Stock Market ETF |
| Provider | Vanguard | BlackRock |
| Index | CRSP US Total Market Index | S&P Total Market Index |
| TER | 0.03% | 0.03% |
| Type | ETF | ETF |
| Domicile | United States | United States |
| Dividends | Distributing | Distributing |
| Launch date | May 24, 2001 | January 20, 2004 |
| Fund size | $2.3T | $97B |
| ISIN | — | — |
| Available to EU retail investors | No | No |
| Tax-free switch (Spain) | No | No |
Historical returns: VTI vs ITOT (Aug 2016 – Aug 2026)
10,000 invested in Aug 2016 would be worth $39,807 in VTI and $39,678 in ITOT today.
| VTI | ITOT | |
|---|---|---|
| Annualised return | 14.81% | 14.78% |
| Total return | 298.07% | 296.78% |
| Annual volatility | 15.76% | 15.74% |
| Maximum drawdown | -24.81% | -24.81% |
| Monthly correlation | 1 | |
Calendar-year returns
| Year | VTI | ITOT |
|---|---|---|
| 2026* | 13.48% | 13.47% |
| 2025 | 17.10% | 17.00% |
| 2024 | 23.81% | 23.80% |
| 2023 | 26.05% | 26.13% |
| 2022 | -19.51% | -19.47% |
| 2021 | 25.67% | 25.68% |
| 2020 | 21.03% | 20.71% |
| 2019 | 30.67% | 30.67% |
| 2018 | -5.21% | -5.31% |
| 2017 | 21.21% | 21.38% |
* Current year, to Aug 2026.
Month-end closing prices adjusted for dividends and net of fund costs. Broker fees and taxes are not included. Past performance does not guarantee future results.
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Frequently Asked Questions
VTI and ITOT cost the same: a 0.03% TER a year. They do not track the same thing: VTI follows the CRSP US Total Market Index and ITOT the S&P Total Market Index. Any difference in returns will come mainly from that exposure, not from the fee.
VTI (ETF) tracks the CRSP US Total Market Index with a 0.03% TER; ITOT (ETF) tracks the S&P Total Market Index with a 0.03% TER.
Generally not as a retail client: they are US-domiciled ETFs without the key information document EU PRIIPs rules require. Look for their UCITS equivalents in our list of funds for Europe.
Over the last 10 years, VTI and ITOT returned practically the same, around 14.81% a year.