Data as of Oct 28, 2026.
VTI vs VTIP: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to VTIP's +2.2%; 0% of their weight is in the same names.
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Net assets on Sep 30, 2026: $689.2bn for Vanguard Morningstar Total Stock Market ETF and $20.9bn for Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares.
Pair scorecard
Both cost 0.03% a year; their one-year returns differ by 11.3 points; VTI is far larger, $689.2bn against $20.9bn.
| Measure | VTI | VTIP |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | +2.2% |
| Benchmark | ||
| What it tracks | Morningstar US Total Market Index | Bloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.03% |
| Net assets, as of Sep 30, 2026 | $689.2bn | $20.9bn |
| 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. Method
Risk and return
Oct 26, 2012 to Oct 23, 2026 · 730 weekly returnsVTI returned more: +554.6% to +35.7%. VTIP swung less: 2.3% to 16.2%. VTIP fell less at its worst: −5.5% to −32.9%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTI | VTIP | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +554.6% | +35.7% | VTI | Price change plus distributions, reinvested. |
| Annualized | +14.3% | +2.2% | VTI | Total return as a yearly rate. |
| Price return | +416.1% | −2.1% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 16.2% | 2.3% | VTIP | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 11.1% | 1.7% | VTIP | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −32.9% | −5.5% | VTIP | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.80 | 0.17 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 1.16 | 0.22 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.44 | 0.40 | VTI (slight) | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 730 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VTI and VTIP hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026.
half
0% in common
Only in one fund ↓
Side by side
VTI and VTIP on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTI and VTIP do different jobs. What does each one do in a portfolio?
- What each follows. VTI follows Morningstar US Total Market Index and VTIP follows Bloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Sep 30, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 VTI returned +13.5% and VTIP +2.2% with distributions reinvested, a gap of 11.3 points.
Data as of Oct 28, 2026.
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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%.
VTIP
VTIP tracks an index of Short-Term Inflation-Protected Securities. Over the year to Oct 28, 2026 it returned +2.2% with distributions reinvested.
Questions people ask
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, VTI against VTIP, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-vtip
ETFIQ. (Oct 28, 2026). VTI against VTIP. Retrieved from https://etfiq.com/compare/any/vti-vs-vtip
[VTI against VTIP (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-vtip)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.