VTI vs ITOT: Two Nearly Identical Total Market ETFs Compared
VTI and ITOT are both total US stock market ETFs covering the entire investable US equity universe — large, mid, small, and micro-cap stocks. VTI tracks the CRSP US Total Market Index (~4,000 stocks); ITOT tracks the S&P Total Market Index (~3,500 stocks). Both have ultra-low costs and near-identical performance, making the choice largely a matter of brokerage preference.
Key Differences
- Near-identical TER: VTI 0.03%, ITOT 0.03% — no cost difference
- VTI has much larger AUM ($400B+) vs ITOT ($60B+) — both are highly liquid
- Different indexes: CRSP (VTI) vs S&P (ITOT) — but 99%+ overlap in practice
- VTI has ~4,000 holdings vs ITOT ~3,500 — marginal difference in micro-cap coverage
- Historical returns are within 0.01% per year — functionally identical performance
Live Comparison
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Bottom Line
These ETFs are functionally interchangeable. Choose VTI if you use Vanguard or prefer the CRSP index. Choose ITOT if you use Fidelity/Schwab where iShares ETFs may trade commission-free. Don't overthink this one — both are excellent core US equity holdings.
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Disclaimer: This comparison is for informational and educational purposes only. It does not constitute investment advice. Past performance does not guarantee future results. ETF data is sourced from Yahoo Finance and issuer websites. Always verify current data before making investment decisions.