Data as of Oct 28, 2026.
TLT vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, TLT returned −7.9% to VTI's +13.5%; 0% of their weight is in the same names.
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Net assets: $47.4bn on Oct 27, 2026 for iShares 20+ Year Treasury Bond ETF, and $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.12 points a year less; their one-year returns differ by 21.4 points; VTI is 14.9 times larger.
| Measure | TLT | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | −7.9% | +13.5% |
| Drawdown | ||
| Below its high | 42.6%, high on Aug 4, 2020 | |
| Benchmark | ||
| What it tracks | ICE U.S. Treasury 20+ Year Bond Index | Morningstar US Total Market Index |
| Cost and size | ||
| Expense ratio | 0.15% | 0.03% |
| Net assets, as of Sep 30, 2026 | $46.2bn | $689.2bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 88% | |
| Top ten holdings, share of the fund | 34.7% | |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, TLT and VTI hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
TLT and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
TLT
TLT tracks an index of 20+ year Treasuries. Over the year to Oct 28, 2026 it returned −7.9% with distributions reinvested, against −7.8% for its benchmark, the ICE U.S. Treasury 20+ Year Bond Index. The prospectus expense ratio is 0.15% a year. It sat 42.6% below its high of Aug 4, 2020 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, TLT or VTI?
- In the year to Oct 28, 2026, with distributions reinvested, TLT returned −7.9% and VTI +13.5%.
- Which is cheaper, TLT or VTI?
- VTI is cheaper, by 0.12 percentage points a year. That is about $12 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, TLT against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/tlt-vs-vti
ETFIQ. (Oct 28, 2026). TLT against VTI. Retrieved from https://etfiq.com/compare/any/tlt-vs-vti
[TLT against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/tlt-vs-vti)
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