TOTL vs VTI
TOTL vs VTI
State Street DoubleLine Total Return Tactical 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 | TOTL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $4.1B | $663.5B | |
| Dividend Yield | 5.27% | 1.07% | |
| Holdings | 1,529 | 3,543 | |
| YTD Return | -1.58% | +11.83% | |
| 1Y Return | +1.08% | +21.79% | |
| 3Y Return (annualized) | +4.00% | +20.40% | |
| 5Y Return (annualized) | +0.11% | +11.96% | |
| Volatility (annualized) | 4.5% | 15.3% | |
| Max Drawdown | -18.0% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 23, 2015 | May 24, 2001 |
TOTL vs VTI Performance
State Street DoubleLine Total Return Tactical ETF (TOTL) is a ETF from State Street Investment Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TOTL returned +1.08% while VTI returned +21.79%. Year to date, TOTL is down 1.58% versus a gain of 11.83% for VTI.
Over three years, TOTL compounded at +4.00% per year against +20.40% for VTI; over five years the annualized figures are +0.11% and +11.96% respectively. Across the full 11-year window we track, VTI has the edge at +8.06% annualized vs -0.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.5% for TOTL. 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 -18.0% for TOTL 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TOTL charges 0.55% per year while VTI charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, TOTL currently yields 5.27% against 1.07% for VTI.
Holdings Overlap
TOTL and VTI share 0 holdings out of 2920 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TOTL or VTI?
TOTL has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, TOTL or VTI?
Over the past year TOTL returned +1.08% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (11 years), TOTL annualized -0.10% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, TOTL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.5% for TOTL. Worst drawdown: TOTL -18.0% vs VTI -56.6%.
Should I hold both TOTL and VTI?
TOTL and VTI have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TOTL and VTI?
TOTL and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2920 unique securities.
Which pays a higher dividend, TOTL or VTI?
TOTL yields 5.27% while VTI yields 1.07%, so TOTL currently pays the higher dividend yield.
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