Data as of Oct 28, 2026.
SPYD vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, SPYD returned +15.3% to VTI's +13.5%; 5% of their weight is in the same names.
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Net assets: $7.5bn on Oct 27, 2026 for State Street SPDR Portfolio S&P 500 High Dividend ETF, and $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.04 points a year less; their one-year returns differ by 1.8 points; VTI is far larger, $689.2bn against $7.1bn.
| Measure | SPYD | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | +15.3% | +13.5% |
| Drawdown | ||
| Below its high | 4.1%, high on Aug 24, 2026 | |
| Benchmark | ||
| What it tracks | S&P 500 High Dividend Index | Morningstar US Total Market Index |
| Cost and size | ||
| Expense ratio | 0.07% | 0.03% |
| Net assets, as of Sep 30, 2026 | $7.1bn | $689.2bn |
| Holdings | ||
| Holdings in common | 5% | |
| Top ten holdings, share of the fund | 16.1% | 34.7% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
Risk and return
Oct 30, 2015 to Oct 23, 2026 · 573 weekly returnsVTI returned more: +318.7% to +168.7%. VTI swung less: 17.2% to 19.6%. VTI fell less at its worst: −32.9% to −43.0%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | SPYD | VTI | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +168.7% | +318.7% | VTI | Price change plus distributions, reinvested. |
| Annualized | +9.4% | +13.9% | VTI | Total return as a yearly rate. |
| Price return | +61.3% | +250.1% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 19.6% | 17.2% | VTI | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 13.8% | 12.0% | VTI | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −43.0% | −32.9% | VTI | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.44 | 0.71 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.62 | 1.02 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.22 | 0.42 | VTI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 573 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SPYD and VTI hold 5% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
5% in common
Only in one fund ↓
Side by side
SPYD and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SPYD and VTI do different jobs. What does each one do in a portfolio?
- What each follows. SPYD follows S&P 500 High Dividend Index and VTI follows Morningstar US Total Market Index.
- Holdings in common. 5% of the weight is in the same securities (holdings dated Oct 27, 2026 and Sep 30, 2026).
- Number of holdings. SPYD holds 79 positions and VTI holds 3521.
Data as of Oct 28, 2026.
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SPYD
SPYD tracks the S&P 500 High Dividend. Over the year to Oct 28, 2026 it returned +15.3% with distributions reinvested. The prospectus expense ratio is 0.07% a year. By its holdings published by its issuer for Oct 27, 2026, 99% of the fund by weight is stocks the S&P 500 also holds, across 79 positions, with the top ten at 16.1%. It sat 4.1% below its high of Aug 24, 2026 on Oct 28, 2026.
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
- Which returned more over the last year, SPYD or VTI?
- In the year to Oct 28, 2026, with distributions reinvested, SPYD returned +15.3% and VTI +13.5%.
- Which is cheaper, SPYD or VTI?
- VTI is cheaper, by 0.04 percentage points a year. That is about $4 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, SPYD against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/spyd-vs-vti
ETFIQ. (Oct 28, 2026). SPYD against VTI. Retrieved from https://etfiq.com/compare/any/spyd-vs-vti
[SPYD against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/spyd-vs-vti)
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