VOO vs VTI: Which ETF Is Better in 2026?
Short answer
VOO (Vanguard S&P 500 ETF) tracks S&P 500 at 0.03%; VTI (Vanguard Total Stock Market ETF) tracks CRSP US Total Market at 0.03%. They give you different exposure, so pick by what you want to own: VOO for S&P 500, VTI for CRSP US Total Market. Neither is universally better.
VOO vs VTI at a glance
| VOO | VTI | |
|---|---|---|
| Fund | Vanguard S&P 500 ETF | Vanguard Total Stock Market ETF |
| Tracks | S&P 500 | CRSP US Total Market |
| Expense ratio | 0.03% | 0.03% |
| Dividend yield | ~1.3% | ~1.3% |
| AUM | ~$1.2 trillion | ~$450 billion |
| Top holding | MSFT | MSFT |
| Issuer | Vanguard | Vanguard |
Approximate as of early 2026; verify with each issuer.
What is VOO?
Tracks the S&P 500 Index, the standard measure of US large-cap equity. Effectively identical exposure to SPY and IVV at a 0.03% expense ratio. Used as a core building block in most diversified portfolios.
What is VTI?
Tracks the CRSP US Total Market Index, which covers approximately 4,000 US-listed stocks. Top holdings mirror the S&P 500 because cap-weighting dominates, but VTI adds meaningful small and mid-cap exposure that VOO lacks.
VOO or VTI: which should you pick?
- Pick VOO if you want S&P 500 exposure at 0.03%.
- Pick VTI if you want CRSP US Total Market exposure at 0.03%.
- Overlap: they share top holdings (MSFT, AAPL, NVDA, AMZN, META), so owning both adds less diversification than it appears.
- Cost: 0.03% vs 0.03%, a small but compounding difference.
The bottom line: VOO vs VTI
VOO (S&P 500) and VTI (CRSP US Total Market) give you different exposure, so pick by what you want to own, not by which is "better". They overlap heavily, so owning both mostly doubles a fee. Walnut can show the overlap against your real portfolio before you decide.
Build a portfolio around VOO with Walnut
Walnut connects your real brokerage so you can see how VOO and VTI overlap with what you already own, analyze either by chatting through Claude or ChatGPT, and place any trade yourself.
FAQ
What is the difference between VOO and VTI?
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VOO tracks S&P 500 (0.03% expense ratio); VTI tracks CRSP US Total Market (0.03%). They track different indexes, so they give you different exposure.
Is VOO or VTI cheaper?
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VOO charges 0.03% and VTI charges 0.03% as of early 2026. Over decades the cheaper fund keeps more of your return, but verify current figures with each issuer.
Do VOO and VTI hold the same stocks?
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They overlap meaningfully: shared top holdings include MSFT, AAPL, NVDA, AMZN, META, GOOGL. Owning both can mean less diversification than it looks.
Which has a higher dividend yield, VOO or VTI?
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VOO yields about ~1.3% and VTI about ~1.3% (early 2026, approximate). If income matters, that gap is one input, but total return and cost matter more for most long-term investors.
Should you own both VOO and VTI?
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Often not, because they overlap heavily (MSFT, AAPL, NVDA, AMZN and more), so holding both adds cost without much extra diversification. Walnut can show the overlap against your real portfolio.
Walnut is informational, not investment advice. ETF figures are approximations stamped to early 2026; verify current data with each issuer before deciding. Nothing here is a recommendation.