Data as of Oct 28, 2026.
ISPY vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, ISPY returned +10.1% to VTI's +13.5%, and VTI charges 0.03% to ISPY's 0.55%.
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Net assets: $1.2bn on Oct 28, 2026 for ProShares S&P 500 High Income ETF, and $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.52 points a year less; their one-year returns differ by 3.4 points; VTI is far larger, $689.2bn against $1.2bn.
| Measure | ISPY | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | +10.1% | +13.5% |
| Price change, 1 year | rose 4.0% | rose 12.2% |
| Latest payout, annualized | 6.3% | |
| Return of capital, issuer estimate | 81% of the Oct 7, 2026 payment | |
| Against its benchmark | ||
| What it tracks | Benchmark: S&P 500, measured through SPY | Morningstar US Total Market Index |
| Against its benchmark, same days | behind by 3.5 pts | |
| Cost and size | ||
| Expense ratio | 0.55% | 0.03% |
| Net assets, as of Sep 30, 2026 | $1.2bn | $689.2bn |
| Holdings | ||
| Holdings in common | 83% | |
| In the S&P 500, by weight | 88% | |
| Top ten holdings, share of the fund | 34.7% | |
Holdings in common uses holdings dated Aug 31, 2026 and Sep 30, 2026. Method
What they share
By the books each fund has filed, ISPY and VTI hold 83% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Sep 30, 2026.
half
83% in common
Only in one fund ↓
Side by side
ISPY and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ. Cash paid: distributions over the window, as a share of the starting price.
ISPY
Over the year to Oct 28, 2026, ISPY paid 5.7% of its starting value in cash distributions while its price rose 4.0%. With every distribution reinvested, the fund returned +10.1%. S&P 500 (SPY) returned +13.6% over the same days, so a holder was behind by 3.5 pts. At its price on Oct 28, 2026 the latest distribution annualizes to 6.3%, paid monthly. ProShares estimates that 81% of the distribution paid Oct 7, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.
VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
Questions people ask
- Are ISPY and VTI in the same category?
- ISPY is an option-income ETF and VTI is a stock ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
- Which returned more over the last year, ISPY or VTI?
- In the year to Oct 28, 2026, with distributions reinvested, ISPY returned +10.1% and VTI +13.5%.
- Which is cheaper, ISPY or VTI?
- VTI is cheaper, by 0.52 percentage points a year. That is about $52 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, ISPY against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/ispy-vs-vti
ETFIQ. (Oct 28, 2026). ISPY against VTI. Retrieved from https://etfiq.com/compare/any/ispy-vs-vti
[ISPY against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/ispy-vs-vti)
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