Which returned more over the last year, VGIT or VTI?

In the year to Oct 28, 2026, with distributions reinvested, VGIT returned −1.5% and VTI +13.5%.

Which is cheaper, VGIT or VTI?

Neither: VGIT and VTI both charge 0.03% a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

VGIT vs VTI: Differences, Returns & Fees

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Over the year to Oct 28, 2026, VGIT returned −1.5% to VTI's +13.5%; 0% of their weight is in the same names.

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Net assets on Sep 30, 2026: $39.7bn for Vanguard Intermediate-Term Treasury ETF and $689.2bn for Vanguard Morningstar Total Stock Market ETF.

VGIT on its own →VTI on its own →

At a glance

−1.5%

VGIT total return, 1 year

+13.5%

VTI total return, 1 year

0.03%

VGIT expense ratio

0.03%

VTI expense ratio

Pair scorecard

Both cost 0.03% a year; their one-year returns differ by 15.0 points; VTI is 17.4 times larger.

Points (pts) are percentage points.

VGIT vs VTI: Differences, Returns & Fees
Measure	VGIT	VTI
Return
Measure	VGIT	VTI
Total return, 1 year	−1.5%	+13.5%
Drawdown
Measure	VGIT	VTI
Below its high	3.5%, high on Aug 4, 2020
Benchmark
Measure	VGIT	VTI
What it tracks	Bloomberg U.S. Treasury 3-10 Year Index	Morningstar US Total Market Index
Cost and size
Measure	VGIT	VTI
Expense ratio	0.03%	0.03%
Net assets, as of Sep 30, 2026	$39.7bn	$689.2bn
Holdings
Measure	VGIT	VTI
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. Method

What they share

By the books each fund has filed, VGIT and VTI hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first VGIT VTI

MKTLIQ 0.26% 0.05%

Only in one fund ↓

Only in VGIT

United States Treasury Note/Bond 1.91%

United States Treasury Note/Bond 1.89%

United States Treasury Note/Bond 1.87%

United States Treasury Note/Bond 1.85%

United States Treasury Note/Bond 1.83%

United States Treasury Note/Bond 1.82%

United States Treasury Note/Bond 1.81%

Only in VTI

NVIDIA Corp 7.14%

Apple Inc 6.63%

Microsoft Corp 5.20%

Amazon.com Inc 3.30%

Alphabet Inc 2.76%

Broadcom Inc 2.28%

Meta Platforms Inc 2.18%

Alphabet Inc 2.18%

Check overlap with more funds →

Side by side

VGIT Vanguard Intermediate-Term Treasury ETF VTI Vanguard Morningstar Total Stock Market ETF

Where it sits Bond ETF Stock ETF

Issuer Vanguard Vanguard

What it is Tracks an index of Intermediate-Term Treasury Tracks an index of US total market

Total return, 1 year −1.5% +13.5%

Its benchmark over the same days −1.5% (SCHR) not measured

Gap to its benchmark 0.0 pts vs SCHR not measured

Expense ratio 0.03% 0.03%

Holdings 103 3521

Net assets, as of Sep 30, 2026 $39.7bn $689.2bn

VGIT and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

VGIT

VGIT tracks an index of Intermediate-Term Treasury. Over the year to Oct 28, 2026 it returned −1.5% with distributions reinvested, against −1.5% for its benchmark, the Bloomberg U.S. Treasury 3-10 Year Index. The prospectus expense ratio is 0.03% a year. It sat 3.5% 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. 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, VGIT or VTI?: In the year to Oct 28, 2026, with distributions reinvested, VGIT returned −1.5% and VTI +13.5%.
Which is cheaper, VGIT or VTI?: Neither: VGIT and VTI both charge 0.03% a year. Fees come from each fund's prospectus.

Other comparisons

VGIT vs VOO IVV vs VGIT SPYM vs VGIT VGIT vs VIG GOVT vs VTI IEF vs VTI JAAA vs VTI IUSB vs VTI

Where to next

VGIT on its own →VTI on its own →Hold both: look the portfolio through →Rankings →VGIT dividend history →VGIT holdings →VTI dividend history →VTI holdings →Standards and sources →

Sources and dates

VGIT filings on SEC EDGAR ↗

VGIT prospectus with the expense ratio (SEC) ↗

Vanguard page for VGIT ↗

VTI filings on SEC EDGAR ↗

VTI prospectus with the expense ratio (SEC) ↗

Vanguard page for VTI ↗

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, VGIT against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/vgit-vs-vti

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.