TOTR vs VTI
TOTR vs VTI
T. Rowe Price Total Return 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 | TOTR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.31% | 0.03% | |
| AUM | $574M | $663.5B | |
| Dividend Yield | 5.31% | 1.07% | |
| Holdings | 1,222 | 3,543 | |
| YTD Return | +0.11% | +14.20% | |
| 1Y Return | +2.69% | +24.16% | |
| 3Y Return (annualized) | +4.48% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 6.6% | 15.3% | |
| Max Drawdown | -19.6% | -56.6% | |
| Fund Family | T.Rowe Price | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 28, 2021 | May 24, 2001 |
TOTR vs VTI Performance
T. Rowe Price Total Return ETF (TOTR) is a ETF from T.Rowe Price and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TOTR returned +2.69% while VTI returned +24.16%. Year to date, TOTR is up 0.11% versus a gain of 14.20% for VTI.
Over three years, TOTR compounded at +4.48% per year against +21.12% for VTI. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs -0.38%. 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 6.6% for TOTR. 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 -19.6% for TOTR 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TOTR charges 0.31% per year while VTI charges 0.03%. On a $10,000 position that is $31 vs $3 annually, a gap of $28 per year that compounds over a long holding period. On income, TOTR currently yields 5.31% against 1.07% for VTI.
Holdings Overlap
TOTR and VTI share 0 holdings out of 3362 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, TOTR or VTI?
TOTR has an expense ratio of 0.31% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, TOTR or VTI?
Over the past year TOTR returned +2.69% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), TOTR annualized -0.38% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, TOTR or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.6% for TOTR. Worst drawdown: TOTR -19.6% vs VTI -56.6%.
Should I hold both TOTR and VTI?
TOTR and VTI have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TOTR and VTI?
TOTR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3362 unique securities.
Which pays a higher dividend, TOTR or VTI?
TOTR yields 5.31% while VTI yields 1.07%, so TOTR currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.