Index Funds

VTI vs. VOO: Which is Better?

Vanguard Total Stock Market (VTI) vs Vanguard S&P 500 (VOO). Compare historical performance, diversification, and long-term projection.

VTI

Total Stock Market

Holdings~3,700+

Expense Ratio0.03%

FocusLarge, Mid, Small Cap

VOO

S&P 500 Index

Holdings~505

Expense Ratio0.03%

FocusLarge Cap Exclusively

Growth Projection Simulator

Investment Strategy

Initial Investment$10,000

Monthly Contribution$500

Time Horizon20 Years

Projected Value After 20 Years

VTI$459,394

Assumes historical ~10.1% return

VOO$465,928

Assumes historical ~10.2% return

The difference is exactly $6,533. Because VOO and VTI overlap by about 82% (by weight), their long-term performance is nearly identical. VTI simply includes small and mid-cap stocks which adds a bit more volatility but theoretically more diversification.