Agreed on almost everything, except for VTI being better. Safer, yes. Better...needs a clear definition. Performance for the index over a rolling 20 year period is nearly the same with a razor thin edge for the S&P 500. Via DCA from April 2003 to March 2023, 10.66% per year S&P 500 vs 10.46% per year for VTI. Expense ratio is the same for VTI ...Learn the differences and similarities between VTSAX and VTI, two Vanguard funds that track the US stock market. See their pros and cons, portfolio holdings, historical performance, and tax efficiency. See moreVanguard Total International Stock Index Fund Admiral Shares VTIAX: NAV: Change: Net Expense Ratio: YTD Return. YTD Return is adjusted for possible sales charges, and assumes reinvestment of dividends and capital gains. $33.26 +0.23 (0.70%) 0.12%: 1.95%: Quote data as of close 05/16/2024: As of 04/30/2024: Prospectus: Mutual Fund Report Card:In this video we are going to compare the Vanguard Total Stock Market Index Fund (VTSAX) to the Vanguard Total Stock Market ETF (VTI). Both of these invest...1. EevelBob. • 3 yr. ago. I think it depends. VTIAX goes nicely with VSMAX, VIMAX, and VFIAX in a retirement account. This is what I setup for my wife’s IRA. It’s also useful as a separate fund in a brokerage account if you’re trying to collect the foreign tax credit.The difference is small between VT or VTI/VXUS and it's really a matter of choosing a little less work when depositing vs. a small amount of gain in basis points. In my experience on this board, everyone who prefers to go the VT route is going to tell you, "It's not worth the amount of money you save."by Adam Pash by Adam Pash Click to viewIf Amazon's hot holiday seller list is any indication, a lot of you got new Macs this holiday season. If you switched to a Mac from a PC, you...Difference #3: Expense Ratios. The expense ratio is how much the fund costs to operate. Suppose a fund has a 0.05% Expense ratio. Then it will cost $5 per $10,000. VTSAX has an expense ratio of 0.04%. It will cost $4 per $10,000 invested. VTI has an expense ratio of 0.03%. It will cost $3 per $10,000 invested.Yes, still true: VTSAX still has the same tax efficiency as VTI. The patent expiration means other brokerages may start copying this method of reducing mutual fund capital gains distributions by attaching an ETF share class, but it doesn't mean vanguard can't keep doing it.The expense ratio of VTI is slightly lower than VTSAX (0.03% vs 0.04%), but this isn’t significant enough to be a practical concern for most. In the past it mattered, but now VTI is the same or better than VTSAX in every possible way. There is no reason to hold VTSAX anymore except out of habit.Using separate funds for US vs. ex-US provides some potential benefits, particularly in a taxable account. It's a shame that there isn't — insofar as I have found — an analogue for VTWAX for the total bond market (U.S. and the rest of the world), but that's a topic for another day. There's the BNDW ETF, but no equivalent mutual fund I'm ...In investing, Occam's razor is usually right. Simple is better. And in this case, simple means a handful of passively managed index funds. Over the long run, index investing has beaten actively managed funds and hedge funds. Most famously, there was the $1 million bet between a co-manager at Protégé Partners (a hedge fund) and Warren Buffett.As I understand, VTSAX requires a $3k initial investment. The expense ratio is 0.04%. Since inception (2000), average annual returns have been 7.30%. VTI doesn't require an initial investment. The ER is 0.03%. Since inception (2001), average annual returns have been 7.67%. And you can purchase fractional shares now for easy dollar cost averaging.VTSAX is an example of a mutual fund where there a "paired" ETF in the form of VTI. The capital gains accumulated in the underlying shares of VTSAX can be exchanged away via heartbeat trades between the fund and "authorized participants" in the formation/destruction of shares of VTI. Other examples would be VTWAX/VT and VTIAX/VXUS.American (VTI, VXUS) vs. Canadian (VEQT, VGRO) I'm a dual citizen and so far I've been investing my USD into American Vanguard funds and CAD into Canadian Vanguard funds. Comparing equivalent funds from each side of the border, VTI has significantly outperformed VEQT over the last 5 years (19.6% vs. 11.9%). I live in Canada and plan to retire ...SWTSX vs. VTI - Performance Comparison. As of year-to-date, both investments have demonstrated similar returns, with SWTSX at 10.93% and VTI at 10.93%. Both investments have delivered pretty close results over the past 10 years, with SWTSX having a 12.19% annualized return and VTI not far ahead at 12.27%.VXUS may qualify for foreign tax credit while VT appears not to. Slightly more tax advantageous to hold VTI and VXUS imo. 17. misnamed. • 3 yr. ago. VT is a simple, one-stop solution. It has a minutely higher cost than holding the ETFs separately, but not enough to be worth deciding one way or the other IMO.VTWAX = mutual fund version of VT (ETF equivalent). VTWAX = VTSAX (VTI is the ETF equivalent) + VTIAX (VXUS is the ETF equivalent). In other words, VT = VTI + VXUS. Now, hopefully you understand it doesn't quite make sense to mix VXUS and VT (ETF equivalent of VTWAX). You can instead use VTI + VXUS, or VTSAX + VTIAX.Historical Performance: VTSAX vs VTI. VTSAX was launched on November 13, 2000 and VTI was launched a few months later on May 24, 2001. Since that time, performance has been identical: 7.67% vs 7.68% annually. Despite changes in fees and expenses over the past 20 years, the cumulative difference in performance over that time period is less than 1%!Once you realize you don't need a recipe for everything, you may find yourself cooking a lot more often. Stir-fry is a perfect example—the steps stay the same, and you can use what...VTIAX = SWISX* or VXUS. VTSAX = SWTSX or VTI. (*) SWISX does not include emerging markets so I prefer VXUS. If this is a taxable account, go for the ETFs rather than the mutual funds. They give fewer capital gains distributions. You can also go for the iShares equivalents of the Vanguard ETFs: ITOT and IXUS.The Short Answer. VTIAX and VXUS are different share classes of the same portfolio. The decision to buy one or the other depends on investor-specific factors (some of which are …Fees. Another difference between the two funds is the fees—VFIAX comes with an expense ratio of 0.04%, while VOO's expense ratio is 0.03%. Both fees are very low, but VOO's fees will cost you less money over time. Over the long term, even a small fee can add up to quite a bit of money.Assuming you have the similar split between VTI and VXUS that mirrors VT, then it really only makes sense when you have enough assets to make the difference in expense ratio worth the rebalancing efforts. Just do VT. It's not about risk tolerance. It's about the US likely heading towards underperforming Asian markets in the next few decades.VTI vs VTSAX I am starting to do monthly purchase of VTI or VTSAX on top of my usual retirement accounts, etc. I tried to do it on my TDAmeritrade account, but I am confused. VTI - it lets me buy like I am buying shares. I can dictate how many shares I want and it is trading at ~$152/share. I know this is because it is an etf that functions ...VTI - less to think about. VTI/VXUS is all that you need to capture the market return less fees. Your combined portfolio neglects small cap value by having VBK instead of VB. VB is a growth/value blend of VBK and VBR. But VTI is essentially VOO+VO+VB, so you might as well go VTI+VXUS - the classic. You should go with VOO 50%, AVUV 10%, VEA 20% ...SVB Securities analyst David Risinger reiterated a Buy rating on Vaxcyte (PCVX – Research Report) yesterday and set a price target of $56.... SVB Securities analyst David Ris...VTI’s expense ratio is 0.03% (as of 04/29/2021) so it is (negligibly) less costly than VTSAX’s expense ratio. There is no minimum investment except for the purchase price of a single share to start, so it is a good option for people who might not have the cash to invest $3,000 at once.According to VTCLX, " Its unique index-oriented approach attempts to track the benchmark, while minimizing taxable gains and dividend income by purchasing index securities that pay lower dividends." 2. bedlumper. • 3 yr. ago. I traded my VTCLX for VTSAX. My decision was based on ER and how diversified they were.Googler Daniel Russell knows how to find the answers to questions you can't get to with a simple Google query. In his weekly Search Research column, Russell issues a search challen...On the other hand, VTSAX typically has a much higher share price than VTIAX. Consequently, the same amount of money invested in both will tend to pay out a much greater amount of dividends in VTIAX than VTSAX. As a very rough example, on 1/4/21, the closing price of VTSAX was $93.35 and the closing price of VTIAX was $32.53.In investing, Occam's razor is usually right. Simple is better. And in this case, simple means a handful of passively managed index funds. Over the long run, index investing has beaten actively managed funds and hedge funds. Most famously, there was the $1 million bet between a co-manager at Protégé Partners (a hedge fund) and Warren Buffett.For a buy and hold investor, minimal diff. With VTSAX, you buy/sell at the end of day price regardless of when the transaction goes through. With VTSAX, you purchase whatever dollar amt you want without regard to share price. With VTI, there is no minimum purchase. VTSAX requires $3k initially.VTI VTI and more VTI. It's really easy to manage two funds then to divide into smaller funds to do the same thing. You can hold VTI and just add a little VB and VO if you want more exposure to small and mid caps. I do this with VTI and QQQ to boost exposure to big tech. You can buy VOO, VXF, VEA & VWO.To see the profile for a specific Vanguard mutual fund, ETF, or 529 portfolio, browse a list of all: Vanguard mutual funds | Vanguard ETFs® | Vanguard 529 portfolios. Check out our FundAccess. undefined (undefined) - Find objective, share price, performance, expense ratio, holding, and risk details.BunChargum. • 2 yr. ago • Edited 2 yr. ago. $10,000 invested in VTSAX (Total US Stock Market) in 2011 was worth $42,957 on January 31, 2022 (all dividends reinvested) $10,000 invested in VTIAX (Total International Stock Market) in 2011 was worth $17,402 on January 31, 2022 (all dividends reinvested) This is a huge difference.Feb 3, 2020 · When you look it up online, it typically says ETFs are typically more tax efficient. But when comparing Vanguard ETFs tracking an index vs Mutual funds tracking an index, there are some subtle differences. I am a buy and hold, long term investor (like most on this forum I'm sure). I mostly buy Vanguard funds (VTI and VXUS) and use Merrill Edge ...My suggestion would be to buy all 3 and rebalance annually. VTI is 80% large cap but still has the 20% exposure to small/mid caps at the lowest possible ETF expense ratio for Vanguard. I like to allocate it between Large, Mid and Small cap funds (I use schwab but concept is the same) VS a broad based fund like VTI.VTSAX vs. VTIAX - Expense Ratio Comparison. VTSAX has a 0.04% expense ratio, which is lower than VTIAX's 0.11% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%. VTIAX. Vanguard Total International Stock Index Fund Admiral Shares.VTI is the ETF version of VTSAX, which is a mutual fund. VTI has a lower expense ratio (lower cost). ETFs have lower minimums than mutual funds. But, the kicker is that you can only buy ETFs in discrete whole numbers of shares. You can't buy half a share of VTI (unless you use something like Robinhood or M1 finance).France drops testing requirement for fully vaccinated visitors, vaccine pass remains in place Editor’s note: This story is continually updated. France has announced yet another cha...The Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) or the Vanguard Total Stock Market ETF (VTI) might appeal to you if you're looking for a core holding that's tax-efficient. The VTSAX and VTI include small-cap stocks, which tend to boost long-term returns and reduce short-term taxes from dividends. The expense ratio for VTSAX is ...Re: vtsax vs vti. by quietseas » Fri Feb 25, 2022 4:33 pm. If you are using Vanguard brokerage, the biggest difference is user interface on how you buy and sell. For mutual funds held at Vanguard, you buy in dollars and can transfer in funds on a regular basis that auto-invest into your mutual funds. For ETFs held at Vanguard you have to …117 votes, 78 comments. So just opened and maxed out Roth IRA with VTSAX. For '22, plan on also investing in vtiax and having around a 80/20 split in…VTSAX vs. VTIAX - Expense Ratio Comparison. VTSAX has a 0.04% expense ratio, which is lower than VTIAX's 0.11% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%. VTIAX. Vanguard Total International Stock Index Fund Admiral Shares.Research suggests that music may benefit people with ADHD. Here are types of music that may work best and some playlists to check out. Music has been shown to promote attentiveness...30.20. 30.20. 29.18. -. Related Tickers. Discover historical prices for VTIAX stock on Yahoo Finance. View daily, weekly or monthly format back to when Vanguard Total Intl Stock Index Admiral ...VTI makes you buy a whole share if you use vanguard and can be bought and sold within the day. VTSAX let's you put any amount of money in assuming you have at least 3k and you can only buy at the end of the day. Automatic dividend reinvestment. If you prefer mutual funds over ETFs, the difference in cost is minimal.Help, VTSAX, VTI, VTIAX, and VXUS are on the same account. I've had my portfolio with Vanguard advisor service for the last three years. I stopped the service because I got tired of calling every time I needed to make a change, and they had me on an 80/20 allocation even though I didn't care for bonds. I'm 43.A reasonable distribution would probably be 80% VINIX and 20% VIEIX. That's in line with market ratio right now. VINIX is basically the same as VFIAX or VOO VTI, just with lower fees. VIEIX is basically the same as VEXAX or VXF, just with lower fees. EDIT: fixed a mistake on one of the ETF names.VTIAX was launched on November 29, 2010 and VXUS was launched a few months later on January 26, 2011. Since that time, performance has been identical: 3.47% vs 3.43% annually. Despite changes in fees and expenses over the past decade, the cumulative difference in performance over that time period is less than .70%!VTI (Vanguard Total Stock Market Index Fund ETF) - ER 0.03%. VINIX (Vanguard Institutional Index Fund) - ER 0.035%. VIEIX (Vanguard Extended Market Index Fund Institutional) - ER 0.05%. Backstory: My employer just switched to a new 401k provider that allows me to allocate up to 95% of my contributions to a Schwab PCRA, a retirement brokerage ...Help, VTSAX, VTI, VTIAX, and VXUS are on the same account. I've had my portfolio with Vanguard advisor service for the last three years. I stopped the service because I got tired of calling every time I needed to make a change, and they had me on an 80/20 allocation even though I didn't care for bonds. I'm 43.Historical Performance: FZROX vs VTSAX. VTSAX was launched in back in 2000, while FZROX was launched on August 2, 2018. Since that time, the two funds have had near identical performance: 8.23% vs 8.11% on an annualized basis. Over those years, the cumulative performance differential has been less than .7%!This is a very coherent post on VT vs VTI + VXUS and how the different costs relate to each other. Thanks for the explanations! Instant save. ... Then $1273.45 minus $770.44 is 503.01 for VXUS or VTIAX. If you use an easier number like $1000, and you're ok with rounding 60.5% to 60%, you can easily just do $600 in VTI and $400 in VXUS. ...The US index funds are best for a taxable account (VTSAX>VTI>FSKAX). The international funds aren't cheap but their costs are somewhat comparable (VTIAX>FTIHX>VXUS). Interestingly, the ETF is the most expensive. Bonds are expensive and should be held in a tax-deferred account. The total cost of owning is the same for the three (1.1%).This decade: US large cap growth did best. Last decade: bonds, small, value, emerging, developed, they all did better. I honestly don't understand why people ask this question so often - I lay some of the blame at mutual fund companies for prominently displaying a limited set of period returns (e.g. 1 year, 5 years, 10 years).Historical Performance: VTSMX vs VTI. VTSMX was launched in 1992 and VTI was launched on May 24, 2001. Since that time, performance has been nearly identical: 7.56% vs 7.68% annually. Despite changes in fees and expenses over the past 20 years, the cumulative difference in performance over that time period is only about 11%!VTIAX has performed differently than your other assets. Now it sounds like you had certain expectations of the fund itself that have not been met, specifically overall performance. It’s likely that your disappointment it coming from a direct comparison to something that has recently performed much better, possibly VTSAX.Even Vanguard pairs VTSAX with VTIAX -- look at their target date funds. They're split 4 ways: US Stock (VTSAX), US Bonds, International Stock (VTIAX) and International bonds. The ratio between stocks and bonds is age based. The ratio between US and International is 60/40 (last I checked) ... VTI vs VXUS upvotes ...This is true, but at a certain level, differences in expense ratio do not matter that much. In this case, the VTI's expense ratio of .03% is 100% higher than FXAIX's .015% expense ratio. However, we're talking about 1 basis point, so even though VTI is 100% more expensive than FXAIX, it is inconsequential.Deciding which you prefer comes down to a few factors. If you want to invest less than $3,000 in one of the two funds, you should choose VTI over VTSAX because VTSAX requires a $3,000 minimum. You may also prefer VTI due to its slightly lower expense ratio at 0.03% compared with 0.04% for VTSAX.But even if you don't care about that, the ER is still lower by holding separately. US:VTI/VTSAX, EXUS:VXUS/VTIAX. The ETF shares also have a lower ER than the MF, because MF cost more to administer. 1. gcc-O2. • 2 yr. ago. The foreign tax gets difficult once you have more than $300 in foreign taxes paid.VTIAX 6.5% VTSAX 67% VNQ 7.2% VYM 1.4% VEMAX 1.4% ... VTSAX and VTI should have essentially the same tax efficiency. Tax efficiency depends on the set of holdings and the buys and sales of the holdings, with a small effect due to different expense ratios that different share classes can have. The returns after taxes on …The main difference I see is their expense ratios. While I know this kind of aspect changes at the whim of a broker (although the recent trend of lowering fees has been to our benefit), there is a bit of difference in the two options. SWISX. VTIAX. 0.06%.For example, if you are investing at Vanguard you can buy VTSAX in whatever dollar value you like (e.g. buy $1000 worth) while with VTI you can only buy whole shares (e.g. must figure out how many shares fits into the $1000 you have on hand). With Vanguard you will end up with uninvited cash when buying ETFs.A data breach can end up costing you a lot of money. But what is the cost of a data breach? Here's a complete guide. If you buy something through our links, we may earn money from ...VTIAX. Fund. •. Index. •. Category. This graph represents the growth of a hypothetical investment of $10,000. It assumes reinvestment of dividends and capital gains, and does not reflect sales loads, redemption fees or the effects of taxes on any capital gains and/or distributions. If the inception date of the Fund is less than the time ...VTIAX was launched on November 29, 2010 and VXUS was launched a few months later on January 26, 2011. Since that time, performance has been identical: 3.47% vs 3.43% annually. Despite changes in fees and expenses over the past decade, the cumulative difference in performance over that time period is less than .70%!Compare ETFs ITOT and VTI on performance, AUM, flows, holdings, costs and ESG ratingsMy suggestion would be to buy all 3 and rebalance annually. VTI is 80% large cap but still has the 20% exposure to small/mid caps at the lowest possible ETF expense ratio for Vanguard. I like to allocate it between Large, Mid and Small cap funds (I use schwab but concept is the same) VS a broad based fund like VTI.It is a developed international index fund, comparable to Vanguard's VTMGX. VTIAX is a total international fund that includes developed and emerging market equities. Since EM equities have underperformed developed, you would expect VTIAX to underperform FSPSX or VTMGX. All of Vanguard's and Fidelity's low-cost index funds are great.Fund Size Comparison. Both FSPSX and VTIAX have a similar number of assets under management. FSPSX has 24.7 Billion in assets under management, while VTIAX has 390 Billion . Minafi categorizes both of these funds as large funds. Fund size is a good indication of how many other investors trust this fund.The ETF equivalent of VTSAX is VTI, Vanguard Total Stock Market ETF and it has an expense ratio of 0.03%. You can even convert your VTI over to VTSAX once you reach the minimum level of $3,000. Performance - Its average annual total returns in the past 10 years has been 12.40%. To put this in perspective with annual compounding, if you had put ...Final Thoughts: VTI vs VTSAX are two funds you cannot go wrong with. They are significant funds with low expense ratios and do similar things. VTI can give you more flexibility with having less money and buying the ETF on other exchanges like M1 Finance, but VTSAX also gives you automatic investing.. When looking at a fund that will help you reach financial independence, you cannot go wrong ...I wouldn’t mind switching to VTWAX but would get hit hard by taxes in the exchange process from VTSAX. I’m just buying VTIAX instead. VTI or better yet, just go VT and sleep well. I don't want to start explaining, nobody have time for this, both are same but VTI is few % better than VOO, go for VTI.Since VTI and VOO both charge 0.03%/year and VXF charges twice as much at 0.06% per year, there does not seem to be any advantage for die-hard Vanguard investors splitting US stock exposure beyond ...View the latest Vanguard Total International Stock Index Fund;Adm (VTIAX) stock price, news, historical charts, analyst ratings and financial information from WSJ.Today, the Supreme Court ruled in favor of Ohio’s aggressive purging of voting rolls. Basically, they’re saying a state can “unregister” people to vote if they skip a couple electi...For example, if you are investing at Vanguard you can buy VTSAX in whatever dollar value you like (e.g. buy $1000 worth) while with VTI you can only buy whole shares (e.g. must figure out how many shares fits into the $1000 you have on hand). With Vanguard you will end up with uninvited cash when buying ETFs.The Total International Stock Index Fund (VTIAX) covers a wide range of international stocks including emerging markets and some international small caps. With more than 6,200 stocks in its ...The benefit of FTC in holding VTI + VXUS is a wash compared to VT. You can make the case that the slight benefit (~0.2% of the ex-US holdings' value per year in tax savings) isn't significant enough to warrant the extra complexity, but it's still a slight benefit. Reply reply.Here are the highlights: VOO and VTI are the two most popular U.S. stock market ETFs out there. Both are from Vanguard. VOO tracks the S&P 500 Index. VTI tracks the CRSP US Total Market Index. As such, VOO is entirely large-cap stocks, while VTI also includes small- and mid-cap stocks. Specifically, VOO comprises roughly 82% of VTI by weight.FSKAX has ER 0.015 while ITOT has 0.03. I guess one could also consider both for tax loss harvesting pairs. I suspect you'll pay more than the 0.015 ER difference in taxes on an annual basis. ETFs are better in taxable accounts (or Vanguard mutual funds with an ETF share class).Since VTI and VOO both charge 0.03%/year and VXF charges twice as much at 0.06% per year, there does not seem to be any advantage for die-hard Vanguard investors splitting US stock exposure beyond ...I am aware of the 0.01% more expense ratio of VTSAX and general ETF vs Mutual fund comparison. The .01% difference is because Vanguard has more paperwork with VTSAX. i.e. Vanguard has to keep track of who owns what within VTSAX. With VTI, the brokerages have to keep track of that. 2. true.Roth 401k options to approximate VTI with VINIX + VEXAX. Hi all, Relatively new to investing and the Boglehead method! I recently asked a question regarding Roth 401k investment contributions on r/personalfinance . A redditor mention that investing in VINIX + VEXAX is essentially investing in VTI/VTSAX (none of these two are available via my 401k).Vanguard is structured to be a fiduciary to its own customers, Schwab's 1st priority is its shareholders of company stock. They should perform fairly similarly, but have enough differences in holdings (number and thus weight of each that they do have) that expense ratios that close aren't very important to care about.VTI effectively IS VTSAX, there is no real material difference, same fund, just different "wrappers", so it doesn't matter. There is also VT and VTWAX (again same underlying assets), which is VTI + VXUS if you want to be lazy. Use VTSAX. You can set up auto purchases straight to the fund in dollar amounts.But you can't buy fractional shares of VTI directly. VTI is also slightly less expensive than VTSAX (expense rat, In summary, VTSAX vs VTI are two great ways of investing in the U.S. stock market with Vanguard. ... Than may, FZROX vs. VTI - Expense Ratio Comparison FZROX has a 0.00% expense ratio, which is lower than VTI's 0.03% exp, With VTI’s slightly lower expense ratio of 0.03% vs. VTS, VXUS puts out more dividends than VTI, not less. I', The main difference I see is their expense ratios. While I know this kind of aspect change, VTI was created a little over 20 years ago in 2001 to allow interested investors t, An investment in the fund could lose money over short or , Fund Size Comparison. Both VBIAX and VTI have a similar number of as, Jul 18, 2023 · VT is the entire global stock market. VTI is, 117 votes, 78 comments. So just opened and maxed out, VTSAX and VTI are the same thing behind the curtains. The, Vanguard Total Stock Market ETF (VTI) Market Price: $149.05. Premi, Performance. Based on market price, VTI boasts a 10-year average an, For non-Vanguard funds, yield is defined as a fund&#x, Difference #3: Expense Ratios. The expense ratio is ho, My plan is to do a 80-70% VTSAX and 20%-30% VTIAX ... I'm, VTIAX = SWISX* or VXUS. VTSAX = SWTSX or VTI. (*) SWISX does not in.