VTI vs VT: All of America or All of the World in One Fund?
VTI gives you the entire US stock market (~3,600 stocks). VT gives you the entire world (~9,800 stocks across 49 countries), with roughly 60% US and 40% international. The key question: do you want a single fund that covers everything (VT), or do you want to control your US vs international split yourself (VTI + VXUS)?
Key Differences
- VT is a true one-fund global portfolio: 60% US, 30% developed intl, 10% emerging markets
- VTI has outperformed VT over the last 15 years because US stocks dominated — but this isn't guaranteed to continue
- VT automatically rebalances global weights as markets shift — no action needed
- TER: VT 0.07% vs VTI 0.03% — the 0.04% difference is the cost of global diversification
- VTI + VXUS gives you the same exposure as VT but lets you choose your own US/intl ratio
Live Comparison
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Bottom Line
VT is the ultimate simplicity play — one fund, entire world. VTI is better if you have strong US conviction or want to customize your international allocation. For most investors starting out, VT is the easiest path to a diversified equity portfolio.
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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.