Which of VTI vs VOO vs SPY is best?

Cheapest: VTI (0.03% expense ratio). Best 5-year return: VOO (+73.14%). Largest: VOO ($988.5B AUM). The three default index funds, three ways at once.

How much do VTI vs VOO vs SPY overlap?

498 holdings are held by all of VTI vs VOO vs SPY; pairwise portfolio overlap ranges shown in the overlap matrix (per each fund's latest SEC N-PORT filing).

Which is bigger: VTI vs VOO vs SPY?

VOO is the largest at $988.5B in assets.

Is ChartRow affiliated with any of these funds?

No. ChartRow is independent and not affiliated with, sponsored by, or endorsed by Vanguard, State Street. Comparisons are derived independently from public SEC filings and market data; not investment advice.

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VTI vs VOO vs SPY (2026)

VTI

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×VOO

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×SPY

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Vanguard Total Stock Market ETF, Vanguard S&P 500 ETF and SPDR S&P 500 ETF Trust side by side. Cheapest: VTI (0.03% expense ratio). Best 5-year return: VOO (+73.14%). Largest: VOO ($988.5B AUM). Not investment advice.

Fund facts#

Data provided bySource: Twelve Data

Returns as of market close, Nov 13, 2026. The charts run through the Nov 13 close.

	VTI	VOO	SPY
Focus	Total US Market	S&P 500	S&P 500
Expense ratio	0.03%	0.03%	0.0945%
AUM	$665.2B	$988.5B	$781.2B
Distribution yield	1.06%	1.07%	1.01%
Holdings	3477	504	500
1M total	-2.7%	-3.1%	-3.1%
YTD total	+11.6%	+11.5%	+11.5%
1Y total	+13.8%	+13.5%	+13.4%
3Y total	+77.4%	+78.1%	+77.7%
5Y total	+64.6%	+73.1%	+72.6%
10Y total	+291%	+311%	+308%
3Y total CAGR	+21.1%/yr	+21.2%/yr	+21.1%/yr
5Y total CAGR	+10.5%/yr	+11.6%/yr	+11.5%/yr
10Y total CAGR	+14.6%/yr	+15.2%/yr	+15.1%/yr
Issuer	Vanguard	Vanguard	State Street
Inception	2001-05-24	2010-09-07	1993-01-22

All returns are total returns (dividends reinvested), through the latest price during the session. CAGR = compound annual growth rate. '—' means the fund's history doesn't span the horizon.

Annualized returns (CAGR)#

Data provided bySource: Twelve Data

VTIVOOSPY

+13.5%+13.5%+13.4%+13.1%+13.6%+13.5%+21.0%+21.1%+21.0%+10.5%+11.6%+11.5%+14.6%+15.2%+15.1%+14.3%+14.7%+14.6%+10.8%+10.9%+10.2%+9.9%+9.9%1Ysince 11/3/252Ysince 11/4/243Ysince 11/6/235Ysince 11/8/2110Ysince 11/7/1615Ysince 11/7/1120Ysince 11/6/0625Ysince 11/5/0130Ysince 11/4/96

0%+5%+10%+15%+20%+25%

Compound annual growth rate per holding period, total return, from weekly adjusted closes. Horizons a fund's history can't span show no bar; horizons no fund spans are omitted.

Performance, rebased#

Data provided bySource: Twelve Data

Total return, rebased to 0% · VTI vs VOO vs SPY

0%+50%+100%+150%+200%+250%+300%+350%2017201820192020202120222023202420252026

VTI+290.6%VOO+310.7%SPY+308.1%

Nov 13, 2026

VTI+290.6%

VOO+310.7%

SPY+308.1%

Returns by year#

Data provided bySource: Twelve Data

Year	VTI	VOO	SPY
2017	+21.2%	+21.8%	+21.7%
2018	-5.2%	-4.5%	-4.6%
2019	+30.7%	+31.4%	+31.2%
2020	+21.1%	+18.3%	+18.3%
2021	+25.7%	+28.8%	+28.7%
2022	-19.5%	-18.2%	-18.2%
2023	+26.0%	+26.3%	+26.2%
2024	+23.8%	+25.0%	+24.9%
2025	+17.1%	+17.8%	+17.7%
2026 YTD	+11.6%	+11.5%	+11.5%

Total returns (dividends reinvested), calendar years.

Returns by year, charted#

VTIVOOSPY

+21.2%+21.8%+21.7%-5.2%-4.5%-4.6%+30.7%+31.4%+31.2%+21.1%+18.3%+18.3%+25.7%+28.8%+28.7%-19.5%-18.2%-18.2%+26.0%+26.3%+26.2%+23.8%+25.0%+24.9%+17.1%+17.8%+17.7%+11.6%+11.5%+11.5%2017201820192020202120222023202420252026 YTD

−20%−10%0%+10%+20%+30%+40%

Holdings overlap#

498 holdings are held by all 3 funds. Pairwise overlap, % of portfolio weight:

	VTI	VOO	SPY
VTI	—	89%	88%
VOO	89%	—	100%
SPY	88%	100%	—

Top 10 holdings, side by side#

VTIVOOSPY

7.2%8.0%8.1%5.2%6.1%6.1%5.4%6.0%6.0%4.3%4.8%4.8%3.5%4.0%4.0%2.3%2.5%2.5%1.9%2.2%2.2%1.7%1.7%1.7%1.5%1.7%1.7%1.5%1.7%1.7%AAPLNVDAMSFTGOOGLAMZNAVGOMETALLYTSLABRK-B

0%2%4%6%8%10%

Merged top 10 across the funds — each column is the holding's % of that fund.

Sector weights#

Sector	VTI	VOO	SPY
Technology	33.2%	35.6%	35.7%
Financials	12.6%	12.5%	12.7%
Healthcare	10.8%	10.4%	10.4%
Consumer Discretionary	10.3%	9.6%	9.6%
Industrials	9.0%	8.1%	8.3%
Communication Services	8.0%	8.9%	8.9%
Consumer Staples	4.6%	5.0%	5.1%
Energy	3.6%	3.6%	3.6%
Utilities	2.3%	2.1%	2.1%
Real Estate	2.1%	1.8%	1.8%
Materials	1.7%	1.8%	1.7%
Not on ChartRow	1.9%	0.6%	0.0%

Sector weights, charted#

VTIVOOSPY

33.2%35.6%35.7%12.6%12.5%12.7%10.8%10.4%10.4%10.3%9.6%9.6%9.0%8.1%8.3%8.0%8.9%8.9%4.6%5.0%5.1%3.6%3.6%3.6%2.3%2.1%2.1%2.1%1.8%1.8%1.7%1.8%1.7%1.9%0.6%0.0%TechnologyFinancialsHealthcareConsumer Discretion…IndustrialsCommunication Servi…Consumer StaplesEnergyUtilitiesReal EstateMaterialsNot on ChartRow

0%10%20%30%40%

Estimated portfolio characteristics#

Data provided bySource: Twelve Data

	VTI	VOO	SPY
P/E (trailing)	—	—	26.0
P/B	4.6	5.0	5.0
Dividend yield	1.10%	1.10%	1.10%
Earnings growth (TTM)	+34.5%	+34.8%	+35.0%

Weighted by each fund's filed holdings, over the members we track. Shown only when every fund's tracked coverage is high enough for the average to mean something.

Growth from any starting date#

Data provided bySource: Twelve Data

Hover to move the starting point — every fund rebases to 1× at that date, so the comparison holds from any entry point back to 2010 (the earliest date all 3 funds existed). Log scale, weekly total returns.

0.063×0.13×0.25×0.5×1×2×4×8×16×rebased: Sep 2010

VTI8.7×VOO9.1×SPY9.0×

Rebase at

Hover anywhere to rebase every line to 1× at that date and compare growth from that point — or pick a year above, which is the same thing with an address. Log scale.

Fund flows#

Period	VTI	VOO	SPY
Jun 2026	+$3.7B	−$8.5B	+$6.7B
May 2026	−$7.7B	+$15.8B	+$9.9B
Apr 2026	+$4.5B	+$28.5B	+$14.6B
Mar 2026	+$13.2B	−$11.1B	−$10.8B
Feb 2026	+$5.1B	+$14.5B	−$5.3B
Jan 2026	+$4.1B	+$13.3B	−$13.3B

Net creations minus redemptions, derived from consecutive SEC N-PORT filings. The form only exists since mid-2019.

Fund flows, charted#

VTIVOOSPY

+$10.5B+$4.1B+$13.7B+$9.3B+$11.5B−$24.6B+$29.1B+$44.4B+$37.9B+$67.4B+$56.8B−$14.6B+$24.2B+$50.3B+$52B−$4.8B+$130.4B+$16.5B−$4.6B−$92.3B−$10.2B+$22.8B+$52.5B+$1.8B20192020202120222023202420252026 YTD

−$100B−$50B$0$50B$100B$150B

Methodology#

Returns are total returns (dividends reinvested) from daily adjusted closes. Holdings, overlap, sector weights and flows derive from each fund's public SEC filings (Form N-PORT), anchored on the latest filing and rolled forward daily by price moves. Overlap is the sum of the smaller weight across shared holdings, computed pairwise. See each fund's full holdings: VTI holdings · VOO holdings · SPY holdings. Past performance does not predict future returns; not investment advice.

FAQ#

Which of VTI vs VOO vs SPY is best?: Cheapest: VTI (0.03% expense ratio). Best 5-year return: VOO (+73.14%). Largest: VOO ($988.5B AUM). The three default index funds, three ways at once.
How much do VTI vs VOO vs SPY overlap?: 498 holdings are held by all of VTI vs VOO vs SPY; pairwise portfolio overlap ranges shown in the overlap matrix (per each fund's latest SEC N-PORT filing).
Which is bigger: VTI vs VOO vs SPY?: VOO is the largest at $988.5B in assets.
Is ChartRow affiliated with any of these funds?: No. ChartRow is independent and not affiliated with, sponsored by, or endorsed by Vanguard, State Street. Comparisons are derived independently from public SEC filings and market data; not investment advice.