$3,000 Minimum Investment VTSAX used to have a minimum initial investment of $10,000, but this changed to $3,000 in 2018. Expense Ratio. SPY has a lower 5-year return than VTI (16.05% vs 16.73%). VTSAX has a higher 5-year return than VTI (18.37% vs 17.92%). That is great. Reply Like I decided to call Vanguard and they told me I could convert VTSAX to VTI (but not vice versa) in a non-taxable event. VTSAX vs VTI: Mutual fund vs ETF While there are many technical differences between an ETF and mutual fund , for our purposes, just understand that ETFs tend to be more easily and quickly tradable. VTI – With the same expense ratio as VTSAX, this ETF was our pick until we could reach the minimum investment of $3K for VTSAX. Below is the comparison between SPY and VTI. VTSAX charges an extremely low expense ratio of 0.04% and requires a minimum investment of $3,000. So, while IVV trades the same as those ETFs, you should look at other factors as well. iShares launched its Core MSCI Emerging Markets ETF in 2012 with a 0.14% expense ratio rather than lowering fees in its existing emerging markets ETF , which currently has a 0.69% expense ratio. VTI has an expense ratio of 0.03%. VTSAX on the other hand is a bit easier to buy -- at least until Vanguard supports fractional shares and auto-investing in stocks/ETFs (which they might never). Over 20-years of history of returns. It is VTI. When I have more than $10,000 in the account, I will sell whatever I’m holding and buy VTSAX. Assets: $840.9 billion Holdings: 3551 stocks Dividend Yield: 1.95% Expense Ratio: 0.03% Vanguard’s Total Stock Market ETF (VTI) is similar to VOO in many ways, but the main difference is that it holds a much broader range of stocks.. On the other hand, ETFs trade only during market hours. Fidelity's New 0% Expense Ratio Mutual Fund. It has a slightly higher expense ratio, but Vanguard automatically transfers you to the cheaper VTSAX when you have $10,000. I found VTSAX simpler, so that’s what I went with. VT’s expenses ratio is .08%, and VTI’s expense ratio is .03%. Compared to other mutual funds with an average expense ratio of 0.63%, this is very low. Over the last 10 years, VTSAX has returned an average of 10.1% per year as of March 31, 2020. Below is the comparison between VTSAX and VTI. VTSAX has an expense ratio of 0.04%. Large blend holding category. VTSAX is a mutual fund, whereas VTI is an ETF. An initial $10,000 investment turns into $714,671 for FZROX and $733,569 for VTSAX, a difference of $18,898 or about 2.6%. Regardless of what simple strategy you choose to implement, before investing, it’s best to be clear on your long-term plans and goals. As an investor comparing SWPPX vs VTSAX, I would prefer to go with Schwab. A long history of returns. If you are interested in other fund comparisons, check out the following: VTSAX vs VFIAX; VTSAX vs VTI The USAA Portfolio with an expense ratio of .25% ends up with $2,902,809. The tax loss basis is slightly lower (4-17 bps, depending on where you read), but he also pointed out that as of last prospectus, VTI lowered their expense ratio to 0.03. Monday through Friday 8 a.m. to 8 p.m., Eastern time VTI is the ETF version which you place limit/market orders on to trade like a stock, it adds a bit of hassle for having to set up orders every month for a slightly lower expense ratio of 0.03%. Therefore, it will be hard to incorporate this into your portfolio if you did not already have an account with Fidelity. Similarities between VFIAX and VTSAX: Expense ratio’s of 0.04%. Since most people buying VTSAX are buy-and-holders, an ETF isn't really any more convenient. Similar holdings (domestic and international) Foreign holdings of 0.4%. VTSAX has become one of the most popular index funds because of it’s strong diversification and ultra-low expense ratio. VTSAX is the clear winner. I have FZROX in my IRA at Fidelity and VTSAX in my taxable account at Vanguard. FZROX does not have an ETF. Even compared to other Vanguard mutual funds which average around 0.10% in annual fees, VTSAX is has a clear advantage. VTSAX has an ETF equivalent. VTI has an expense ratio of 0.03%, which is 0.01% lower than VTSAX. A $10,000 portfolio compounded annually with an average of even 7% growth suffers from higher expense ratios. I always focused on expense ratio primarily. vtsax/vtiax vs. vtwax I'm curious to what everyone's opinions on what you think would be the best allocation for VTSAX/VTIAX would be for a portfolio with a 30-40 year time frame in a Roth IRA. This infographic is the property of How To FIRE LLC. That sucks! The only real benefit of VTI is slightly lower expense ratio. Because Vanguard is a gentlemen like that. I just did a Roth conversion to Vanguard of a small 403(b) from my previous employer (<10,000), and I won’t cross over the $10,000 mark for a few months. The biggest difference is that lower expense ratio which really could add up over time. Basically, for every $10,000 that you put into a VT, for example, $8 of that will go towards administrative purposes. Both the Vanguard Total Stock Market Index and … Cheaper is better. Winner: VTSAX This means their tax efficiency has been identical. It’s the opposite of compound interest. I love Vanguard, but you cannot beat a lower expense ratio and no minimum investment. The only difference between VTI and VTSAX is how you buy it. This is an excellent value for such as well-diversified fund with over 3,500 securities in its holdings. VTSAX has a higher expense ratio than VTI (0.04% vs 0.03%). Many of IVV’s top holdings are the same as SCHB, VTI, and VOO. VXUS expense ratio is 0.11% vs. VTI’s 0.04%. VTSAX vs VTI vs VOO: Vanguard offers 100+ low-cost and top index funds, ... Plus, their costs stay very low thanks to an extremely low expense ratio. Vanguard Total Stock Market Index Admiral Shares have an expense ratio of 0.05% and a minimum initial investment of $10,000. Neither have distributed capital gains. Both SPY and VTI are ETFs. >$3,000 investment. Interestingly, the ETF version of VTSAX – VTI – has an even lower expense ratio of only 0.03%. VTSAX has an expense ratio of 0.04%. $3,000 minimum investment. Despite VTSAX’s 0.04% expense ratio, VTSAX only trails the … SPY has a higher expense ratio than VTI (0.09% vs 0.03%). ETFs vs Mutual Funds. There is 1 mechanical difference: VTI is an ETF and VTSAX is a mutual fund. VT and VTI are both exchange traded funds; Both require a minimum investment equal to the price of one share; The funds have the following differences: VT has a slightly higher expense ratio (.09%) than VTI (.03%) VT holds significantly more stocks (8,178) than VTI (3,611) VTI is the ETF analog of VTSAX, virtually identical with same 0.04% expense ratio. VTSAX gets mentioned quite a lot, while I do not see much about VTI. For those hyper sensitive to expense ratios, this cost has the net effect of a 0.15% inefficiency to the market. And those are just fractions of a percent! It follows the CRSP US Total Market Index, which includes all the stocks in the S&P500 plus over 3000 additional stocks. VTSAX is largely made up of Microsoft, Apple, Amazon, and Google but also offers exposure to over 3500 stocks . Over the last 5 years, VXUS returned way less than VTI: 8.78% vs. 15%+. VTI: Vanguard Total Stock Market ETF. VTI has a lower expense ratio. ETFs trade like stocks. Full stop. These two financial products, VTI and VTSAX, are essentially the same thing, with the same 0.04% expense ratio. ... VTI and VTSAX have had identical pre-tax returns and identical payouts with identical percentage of qualified dividends. VTSAX was created in 1992 and currently has an expense ratio of only 0.04%. I know that they both have rock-bottom low expense ratios, and that it is just one basis point, but I would have expected VTSAX to have a lower expense ratio due to its higher minimum investment ($3,000 for VTSAX vs. $149.05 for one share of VTI). The expense ratio is not quite as low as that of some competitors in the index fund space. Mutual funds fill at the end of the day. What’s the difference between VTSAX and VTI? One of the most attractive aspects of VTI, in addition to the extremely broad base of holdings and balance of exposure, is the price. Composition of VT vs VTI. For example; 70/30, 80/20, 60/40 or something along those lines. But that should not be the reason not to invest in VXUS. There is no investment minimum with VTI, so it is an excellent option for Vanguard investors who do not have $3,000 to invest in VTSAX. Learn everything you need to know about Vanguard Total Stock Market ETF (VTI) and how it ranks compared to other funds. Here’s where the big differences of VT and VTI … Which is a better fund to invest in for the short term, VTI (ETF) with an expense ratio of 0.04% or VTSMX with an expense ratio of 0.14%? VTI can potentially be useful as a tool for establishing quick exposure to risky assets, though most shorter-term traders with that objective will gravitate towards products such as SPY instead. If you calculate what a difference that could make over the long-term you’d probably be surprised. It’s compound fees working against you! VTSAX vs VTI. It loses $220,869, or 7.1% of the portfolio to fees over the 40 years. 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