TOPT vs VTI
TOPT vs VTI
iShares Top 20 US Stocks ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | TOPT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $658M | $663.5B | |
| Dividend Yield | 0.38% | 1.07% | |
| Holdings | 25 | 3,543 | |
| YTD Return | +9.78% | +14.20% | |
| 1Y Return | +20.29% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 15.9% | 15.3% | |
| Max Drawdown | -21.2% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 23, 2024 | May 24, 2001 |
TOPT vs VTI Performance
iShares Top 20 US Stocks ETF (TOPT) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TOPT returned +20.29% while VTI returned +24.16%. Year to date, TOPT is up 9.78% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
TOPT has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 15.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -21.2% for TOPT and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TOPT charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, TOPT currently yields 0.38% against 1.07% for VTI.
Holdings Overlap
TOPT and VTI share 20 holdings out of 2785 unique holdings combined, representing a 40.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in TOPT | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 15.06% | 6.32% | 8.74% |
| AAPL | 14.60% | 5.84% | 8.76% |
| GOOGL | 6.83% | 2.88% | 3.95% |
| MSFT | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| AMZN | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
See all 10 holdings TOPT shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, TOPT or VTI?
TOPT has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, TOPT or VTI?
Over the past year TOPT returned +20.29% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), TOPT annualized +19.84% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, TOPT or VTI?
TOPT has been the more volatile fund at 15.9% annualized versus 15.3% for VTI. Worst drawdown: TOPT -21.2% vs VTI -56.6%.
Should I hold both TOPT and VTI?
TOPT and VTI have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between TOPT and VTI?
TOPT and VTI share 20 common holdings with a 40.7% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, TOPT or VTI?
TOPT yields 0.38% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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