The amount of money that has flowed into S&P 500 exchange-traded funds in recent years concerns me. I’m thinking of DCA $500 monthly into VTI. I'm surprised VOO has 100% QDI. Look at any chart - their performance is almost identical. Also offers the ability to tax gain harvest by selling and buying right back. In essence, these factors make the tax efficiency of VTI vs VTSAX identical. You can swap back to VTI after 30 days if you prefer, but don’t do before 30 calendar days in any account that you or your spouse own. ._1PeZajQI0Wm8P3B45yshR{fill:var(--newCommunityTheme-actionIcon)}._1PeZajQI0Wm8P3B45yshR._3axV0unm-cpsxoKWYwKh2x{fill:#ea0027} Are you sure that's right? PFC. However if you are super competitive and penny pinching to the max, VOO has outperformed VTSAX in the past 5 years and since inception. They’re been outperforming VOO and VTI for years. For a taxable account, the difference is minor. VOO and VTI expense ratios are exactly the same, 0.04%. Should I choose VTI or VOO? .Rd5g7JmL4Fdk-aZi1-U_V{transition:all .1s linear 0s}._2TMXtA984ePtHXMkOpHNQm{font-size:16px;font-weight:500;line-height:20px;margin-bottom:4px}.CneW1mCG4WJXxJbZl5tzH{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._11ARF4IQO4h3HeKPpPg0xb{transition:all .1s linear 0s;display:none;fill:var(--newCommunityTheme-button);height:16px;width:16px;vertical-align:middle;margin-bottom:2px;margin-left:4px;cursor:pointer}._1I3N-uBrbZH-ywcmCnwv_B:hover ._11ARF4IQO4h3HeKPpPg0xb{display:inline-block}._2IvhQwkgv_7K0Q3R0695Cs{border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._2IvhQwkgv_7K0Q3R0695Cs:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B{transition:all .1s linear 0s;border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._1I3N-uBrbZH-ywcmCnwv_B:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B.IeceazVNz_gGZfKXub0ak,._1I3N-uBrbZH-ywcmCnwv_B:hover{border:1px solid var(--newCommunityTheme-button)}._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk{margin-top:25px;left:-9px}._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:focus-within,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:hover{transition:all .1s linear 0s;border:none;padding:8px 8px 0}._25yWxLGH4C6j26OKFx8kD5{display:inline}._2YsVWIEj0doZMxreeY6iDG{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-metaText);display:-ms-flexbox;display:flex;padding:4px 6px}._1hFCAcL4_gkyWN0KM96zgg{color:var(--newCommunityTheme-button);margin-right:8px;margin-left:auto;color:var(--newCommunityTheme-errorText)}._1hFCAcL4_gkyWN0KM96zgg,._1dF0IdghIrnqkJiUxfswxd{font-size:12px;font-weight:700;line-height:16px;cursor:pointer;-ms-flex-item-align:end;align-self:flex-end;-webkit-user-select:none;-ms-user-select:none;user-select:none}._1dF0IdghIrnqkJiUxfswxd{color:var(--newCommunityTheme-button)}._3VGrhUu842I3acqBMCoSAq{font-weight:700;color:#ff4500;text-transform:uppercase;margin-right:4px}._3VGrhUu842I3acqBMCoSAq,.edyFgPHILhf5OLH2vk-tk{font-size:12px;line-height:16px}.edyFgPHILhf5OLH2vk-tk{font-weight:400;-ms-flex-preferred-size:100%;flex-basis:100%;margin-bottom:4px;color:var(--newCommunityTheme-metaText)}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX{margin-top:6px}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._3MAHaXXXXi9Xrmc_oMPTdP{margin-top:4px} Others track the S&P 500 or they could be more specific and are comprised of only one industry like say, Oil and Gas. Rock-bottom fees, broad passive diversification. If you are interested in other Vanguard mutual funds, check out our comparison of Wellington vs. Wellesley. I am planning on setting up my 1st taxable acct with Fidelity (for convenience, all my other accounts there). Your investment objective is more important than worrying a ton about a small percentage of non qualified dividends. “Don’t look for the needle in the haystack. Low cost index funds like Vanguards VOO and VTI are a great option for retirement accounts if they are available in your 401k or IRA. No, it doesn’t have the extended market (mid-caps and small caps) that the total market fund does, but its performance is going to be very similar. That said, is you believe large caps are more in line with your investment objective, then that should be your reason to go VOO :). The Little Book of Common Stock Investing, Real Money Portfolio History and 2019 Catch Up Results, Here Comes The Hatchet (to our portfolio), 3 Reasons Your Stocks Regular Dividend Policy Is In Jeopardy. What are the cons of investing in VTSAX? Nothing written on this website or mentioned in the comments should be considered advice. Taken as a group, this covers approximately 80 … This is Standard & Poor’s market-cap index of the 500 largest US companies that are publicly traded. Get your ETF recommendation online. We have the VTI and SPY along w/ Dows-ETFdifferent accounts. Open your account online We're here to help. (adsbygoogle = window.adsbygoogle || []).push({}); Q2 – 2020  – $637,740 I currently have a Vanguard passive account with investments distributed in VXUS, VOO, VXF, BND, BNDX. VOO and VTI overlap about 80%. Some ETF’s consist of all bonds. The writer of this blog is not an investment professional. If stock A is worth 5 billion as a company and stock B is worth 5 million, just because you own one share of stock A and one 1/100th of a share of stock B doesn't really make you any more diversified if the SP500 is growing faster than small and mid caps. For the core fixed-income exposure for retirement accumulators; taxable accounts, I employed the Silver-rated Vanguard Tax-Exempt Bond (VTEB). So the more volatile mid and small cap stock holdings will very modestly affect the total return of VTI since it only comprises the remaining 20%. .c_dVyWK3BXRxSN3ULLJ_t{border-radius:4px 4px 0 0;height:34px;left:0;position:absolute;right:0;top:0}._1OQL3FCA9BfgI57ghHHgV3{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:start;justify-content:flex-start;margin-top:32px}._1OQL3FCA9BfgI57ghHHgV3 ._33jgwegeMTJ-FJaaHMeOjV{border-radius:9001px;height:32px;width:32px}._1OQL3FCA9BfgI57ghHHgV3 ._1wQQNkVR4qNpQCzA19X4B6{height:16px;margin-left:8px;width:200px}._39IvqNe6cqNVXcMFxFWFxx{display:-ms-flexbox;display:flex;margin:12px 0}._39IvqNe6cqNVXcMFxFWFxx ._29TSdL_ZMpyzfQ_bfdcBSc{-ms-flex:1;flex:1}._39IvqNe6cqNVXcMFxFWFxx .JEV9fXVlt_7DgH-zLepBH{height:18px;width:50px}._39IvqNe6cqNVXcMFxFWFxx ._3YCOmnWpGeRBW_Psd5WMPR{height:12px;margin-top:4px;width:60px}._2iO5zt81CSiYhWRF9WylyN{height:18px;margin-bottom:4px}._2iO5zt81CSiYhWRF9WylyN._2E9u5XvlGwlpnzki78vasG{width:230px}._2iO5zt81CSiYhWRF9WylyN.fDElwzn43eJToKzSCkejE{width:100%}._2iO5zt81CSiYhWRF9WylyN._2kNB7LAYYqYdyS85f8pqfi{width:250px}._2iO5zt81CSiYhWRF9WylyN._1XmngqAPKZO_1lDBwcQrR7{width:120px}._3XbVvl-zJDbcDeEdSgxV4_{border-radius:4px;height:32px;margin-top:16px;width:100%}._2hgXdc8jVQaXYAXvnqEyED{animation:_3XkHjK4wMgxtjzC1TvoXrb 1.5s ease infinite;background:linear-gradient(90deg,var(--newCommunityTheme-field),var(--newCommunityTheme-inactive),var(--newCommunityTheme-field));background-size:200%}._1KWSZXqSM_BLhBzkPyJFGR{background-color:var(--newCommunityTheme-widgetColors-sidebarWidgetBackgroundColor);border-radius:4px;padding:12px;position:relative;width:auto} However, for S&P 500 ETFs, they only have the third-largest ETF. “Taxable municipal bonds are the fastest-growing sector in U.S. fixed income. August 6, 2020 at 4:47 pm. Vanguard S&P 500 ETF (VOO) Vanguard is the largest provider of index funds in the world. ._1x9diBHPBP-hL1JiwUwJ5J{font-size:14px;font-weight:500;line-height:18px;color:#ff585b;padding-left:3px;padding-right:24px}._2B0OHMLKb9TXNdd9g5Ere-,._1xKxnscCn2PjBiXhorZef4{height:16px;padding-right:4px;vertical-align:top}._1LLqoNXrOsaIkMtOuTBmO5{height:20px;padding-right:8px;vertical-align:bottom}.QB2Yrr8uihZVRhvwrKuMS{height:18px;padding-right:8px;vertical-align:top}._3w_KK8BUvCMkCPWZVsZQn0{font-size:14px;font-weight:500;line-height:18px;color:var(--newCommunityTheme-actionIcon)}._3w_KK8BUvCMkCPWZVsZQn0 ._1LLqoNXrOsaIkMtOuTBmO5,._3w_KK8BUvCMkCPWZVsZQn0 ._2B0OHMLKb9TXNdd9g5Ere-,._3w_KK8BUvCMkCPWZVsZQn0 ._1xKxnscCn2PjBiXhorZef4,._3w_KK8BUvCMkCPWZVsZQn0 .QB2Yrr8uihZVRhvwrKuMS{fill:var(--newCommunityTheme-actionIcon)} VOO vs. VTI: Head-To-Head ETF Comparison The table below compares many ETF metrics between VOO and VTI. Write CSS OR LESS and hit save. It follows the CRSP US Total Market Index, which includes all the stocks in the S&P500 plus over 3000 additional stocks. As of June 2020, there are 3,495 companies in the index of all market cap sizes. With so many ETF options it’s hard to pick which is the best one or understand the differences. Believe VV has had the most consistent 100% QDI and has a middle ground between VOO/VTI diversification, but I agree you’re splitting hairs. .FIYolDqalszTnjjNfThfT{max-width:256px;white-space:normal;text-align:center} VTI has about 3500 holdings. Notify me of follow-up comments by email. Diversifying is still a good move, so the ideas behind the three fund portfolio are still sound. SCHB has around $9 Billion . But investing in a taxable account can also be tax efficient. The higher the turnover the more likely there is going to bea tax impact. Hi! This provides the percentage allocation of the weighting. 1st taxable account - VTI vs FZROX 01-22-2020, 01:20 PM. 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