Data as of Oct 28, 2026.
VTI vs VUSB: Differences, Returns & Fees
Over the year to Oct 28, 2026, VTI returned +13.5% to VUSB's +3.5%; 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 $9.9bn for Vanguard Ultra-Short Bond ETF.
Pair scorecard
VTI costs 0.07 points a year less; their one-year returns differ by 10.0 points; VTI is far larger, $689.2bn against $9.9bn.
| Measure | VTI | VUSB |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.5% | +3.5% |
| Benchmark | ||
| What it tracks | Morningstar US Total Market Index | No index, actively managed |
| Cost and size | ||
| Expense ratio | 0.03% | 0.10% |
| Net assets, as of Sep 30, 2026 | $689.2bn | $9.9bn |
| 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
Apr 16, 2021 to Oct 23, 2026 · 288 weekly returnsVTI returned more: +85.3% to +20.0%. VUSB swung less: 0.8% to 16.0%. VUSB fell less at its worst: −1.7% to −24.9%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | VTI | VUSB | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +85.3% | +20.0% | VTI | Price change plus distributions, reinvested. |
| Annualized | +11.8% | +3.3% | VTI | Total return as a yearly rate. |
| Price return | +71.8% | −1.0% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 16.0% | 0.8% | VUSB | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 10.8% | 0.6% | VUSB | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −24.9% | −1.7% | VUSB | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.55 | −0.33 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.82 | −0.45 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.47 | 1.96 | VUSB | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 288 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, VTI and VUSB 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 VUSB on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
VTI and VUSB do different jobs. What does each one do in a portfolio?
- What each follows. VTI follows Morningstar US Total Market Index and VUSB follows No index, actively managed.
- 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 VUSB +3.5% with distributions reinvested, a gap of 10.0 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%.
VUSB
VUSB is actively managed and tracks no index. Over the year to Oct 28, 2026 it returned +3.5% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.10% a year.
Questions people ask
- Which returned more over the last year, VTI or VUSB?
- In the year to Oct 28, 2026, with distributions reinvested, VTI returned +13.5% and VUSB +3.5%.
- Which is cheaper, VTI or VUSB?
- VTI is cheaper, by 0.07 percentage points a year. That is about $7 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, VTI against VUSB, data as of Oct 28, 2026. https://etfiq.com/compare/any/vti-vs-vusb
ETFIQ. (Oct 28, 2026). VTI against VUSB. Retrieved from https://etfiq.com/compare/any/vti-vs-vusb
[VTI against VUSB (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/vti-vs-vusb)
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