Last Updated: October 30, 2026
Quick Answer: To invest in VTI, open an account with a broker that offers US-listed ETFs, search for the ticker VTI and buy shares (or fractional shares, if your broker allows them) like any stock. VTI is Vanguard’s total US stock market ETF: it charges a 0.03% expense ratio, holds 3,519 stocks and had $2.32 trillion in total fund assets as of September 30, 2026, according to Vanguard. It closed at $378.24 on October 29, 2026.
Since July 29, 2026, the fund’s official name has been the Vanguard Morningstar Total Stock Market ETF. The ticker, strategy and fees did not change: Vanguard renamed the fund after Morningstar rebranded the former CRSP indexes it tracks. This guide covers VTI’s current data, what it holds, how to buy it, how it compares with VOO and the main risks.
Key Takeaways
- VTI closed at $378.24 on October 29, 2026, about 1.8% below its 52 week high of $385.12 and about 22% above its 52 week low of $310.40, according to StockAnalysis data
- The fund charges 0.03% a year, or $3 on every $10,000 invested, and holds 3,519 US stocks of all sizes, according to Vanguard’s September 30, 2026 fact sheet
- The top 10 holdings make up 36.1% of the fund, led by Nvidia (7.1%), Apple (6.6%) and Microsoft (5.2%); technology is 43.1% of assets
- VTI’s net asset value returned 15.33% over one year and 14.70% a year over 10 years to September 30, 2026; past returns do not predict future results
- VTI pays a quarterly dividend; the last four payouts totaled about $3.95 per share, a yield of about 1.04% at the October 29 close
VTI Key Data (October 2026)
| Metric | Value |
|---|---|
| Official name | Vanguard Morningstar Total Stock Market ETF |
| Ticker and exchange | VTI, NYSE Arca |
| Close (October 29, 2026) | $378.24 |
| 52 week range | $310.40 to $385.12 |
| Expense ratio | 0.03% |
| Benchmark | Morningstar US Total Market Index |
| Number of stocks | 3,519 |
| Total fund net assets | About $2.32 trillion (all share classes) |
| ETF share class assets | About $689 billion |
| Top 10 holdings | 36.1% of net assets |
| Dividend | Quarterly; about $3.95 over 12 months, yield about 1.04% |
| Turnover | 2.6% (latest fiscal year) |
| Inception | May 24, 2001 |
Sources: Vanguard fact sheet (data as of September 30, 2026) and the official Vanguard VTI page. Price, 52 week range and dividend data from StockAnalysis (S&P Global Market Intelligence data), as of October 27 to 29, 2026.
What Is VTI?
VTI is the ETF share class of a Vanguard index fund that aims to track the whole investable US stock market, from the largest companies to small and micro caps. Its benchmark is the Morningstar US Total Market Index, which held 3,478 stocks on September 30, 2026, against 3,519 in the fund. The same fund also has mutual fund share classes, which is why total fund assets of about $2.32 trillion are much larger than the roughly $689 billion in the ETF class.
On April 29, 2026, Vanguard announced that its funds tracking former CRSP indexes would add “Morningstar” to their names from July 29, 2026, following Morningstar’s rebranding of the CRSP Market Indexes. Vanguard said the change “will not affect the funds’ investment objectives or how they are managed.”
What VTI Holds
According to Vanguard’s fact sheet, the 10 largest holdings on September 30, 2026 were:
| Company | Weight |
|---|---|
| Nvidia | 7.1% |
| Apple | 6.6% |
| Microsoft | 5.2% |
| Alphabet | 4.9% |
| Amazon | 3.3% |
| Broadcom | 2.3% |
| Meta Platforms | 2.2% |
| Micron Technology | 1.6% |
| Tesla | 1.4% |
| Advanced Micro Devices | 1.4% |
By sector, technology was the largest at 43.1%, followed by consumer discretionary and industrials at 11.4% each, financials at 9.7% and health care at 9.5%. Because the fund is weighted by market value, a handful of large technology companies drive a large share of its returns, even though it holds thousands of stocks.
VTI Performance
Vanguard reports these total returns based on net asset value through September 30, 2026:
| Period | VTI return |
|---|---|
| Year to date | 12.58% |
| 1 year | 15.33% |
| 3 years (average per year) | 22.32% |
| 5 years (average per year) | 12.56% |
| 10 years (average per year) | 14.70% |
| Since inception in 2001 (average per year) | 9.44% |
In October, VTI moved in a narrow range. It closed at $374.24 on September 30 and at $378.24 on October 29, a gain of about 1.1%, according to StockAnalysis. We do not publish price targets for VTI; for our separate price coverage, see VTI stock price.
How to Invest in VTI
- Choose a broker. VTI is listed on NYSE Arca and is available at most US brokers, including Vanguard, and at many international brokers that offer US-listed ETFs.
- Pick the account type. In the US, VTI can be held in a taxable account or in a retirement account such as an IRA, which changes how dividends and gains are taxed.
- Fund the account and check whether your broker charges a commission or a currency conversion fee.
- Search for the ticker VTI and check the current price and the bid and ask spread.
- Place an order. A limit order sets the highest price you will pay; some brokers also allow fractional shares or dollar amounts.
- Decide what to do with dividends. VTI pays quarterly, and most brokers let you reinvest dividends automatically.
Investors outside the US should check local rules, since some countries restrict retail access to US-domiciled ETFs or tax their dividends differently. This is general information, not investment advice.
VTI vs VOO
| Feature | VTI | VOO |
|---|---|---|
| What it tracks | Morningstar US Total Market Index | S&P 500 Index |
| Number of stocks | 3,519 | 505 |
| Expense ratio | 0.03% | 0.03% |
| ETF share class assets | About $689 billion | About $1.03 trillion |
| Top 10 holdings | 36.1% | 40.6% |
| 1 year return | 15.33% | 15.70% |
| 10 year return (average per year) | 14.70% | 15.29% |
| Inception | May 24, 2001 | September 7, 2010 |
Source: Vanguard fact sheets for VTI and VOO, data as of September 30, 2026 (returns based on net asset value).
Both funds cost the same. VOO holds only the roughly 500 large companies in the S&P 500, while VTI adds thousands of mid, small and micro cap companies. Because large companies make up most of the US market’s value, the two funds have tended to move closely together; over the 10 years to September 30, 2026, VOO returned slightly more per year. For a related fund, see our guide to SPY stock, which tracks the same S&P 500 index as VOO.
Risks of Investing in VTI
- Market risk. VTI holds only US stocks, so it falls when the US market falls, and broad market declines of 30% or more have happened in the past.
- Concentration. Despite holding thousands of stocks, about 36% of the fund sits in 10 companies and 43% in technology.
- No international exposure. VTI holds no companies listed outside the US.
- Currency risk. For investors outside the US, returns also depend on the US dollar exchange rate.
- Taxes and dividends. Dividend taxes and withholding rules vary by country and account type.
For investors comparing stock funds with crypto, our guide to crypto ETPs explains how bitcoin and ether funds work, and the market capitalization entry explains the weighting method both use.
Frequently Asked Questions
How do I invest in VTI?
Open an account with a broker that offers US-listed ETFs, fund it, search for the ticker VTI and place a buy order, ideally a limit order. Many brokers also allow fractional shares or a fixed dollar amount. VTI trades during regular US market hours on NYSE Arca. Its quarterly dividends can be paid in cash or reinvested, depending on your broker settings.
What is the expense ratio of VTI?
VTI’s expense ratio is 0.03% a year, according to Vanguard. That means an investor pays about $3 a year for every $10,000 invested, taken from the fund’s assets rather than billed separately. It is the same expense ratio as Vanguard’s S&P 500 ETF, VOO. Investors may still pay broker commissions, currency fees or bid and ask spreads.
How many stocks does VTI hold?
VTI held 3,519 stocks on September 30, 2026, according to Vanguard’s fact sheet, compared with 3,478 in its benchmark, the Morningstar US Total Market Index. Its holdings range from the largest US companies, such as Nvidia, Apple and Microsoft, to small and micro cap firms. The top 10 holdings made up 36.1% of the fund on that date.
Is VTI better than VOO?
Neither is better in every case. Both charge 0.03%. VTI holds about 3,500 US stocks of every size, while VOO holds about 500 large companies in the S&P 500. Over the 10 years to September 30, 2026, VOO returned 15.29% a year and VTI 14.70%, according to Vanguard. The choice depends on whether an investor wants small and mid caps included.
Why did VTI change its name?
In July 2026, the fund became the Vanguard Morningstar Total Stock Market ETF. Vanguard said the new name followed Morningstar’s rebranding of the CRSP Market Indexes, the index family its total market fund tracks. The ticker VTI, the fund’s objective, its expense ratio and its management did not change, according to Vanguard’s April 29, 2026 announcement.
Data sources: Vanguard fact sheets for VTI and VOO (as of September 30, 2026), Vanguard VTI fund page, Vanguard press release of April 29, 2026; price, 52 week range and dividend data from StockAnalysis (October 27 to 29, 2026).
