OriginaveVTI — Vanguard Total Stock Market ETF
Vanguard Total Stock Market ETF: what it is, what it costs, and what it actually returned — dividends reinvested.
VTI in plain words
VTI is the Vanguard Total Stock Market ETF from Vanguard. It tracks the CRSP US Total Market Index and costs 0.03% a year, quietly deducted from returns. Yes — VTI is a distributing fund: the dividends its holdings pay are passed on to you as cash.
$10,000 invested at the start of 2016 was worth $37,896 by the end of 2025 — an average of 14.3% per year over 10 full years, dividends reinvested. Its best full year so far was 2013 (+33.45%), its worst 2008 (-36.99%) — the range you sign up for.
VTI fund facts
| Fund | Vanguard Total Stock Market ETF |
|---|---|
| Provider | Vanguard |
| Tracks | CRSP US Total Market Index |
| Yearly cost (TER) | 0.03% |
| Dividends | Distributing — paid out as cash |
| Launched | 24 May 2001 |
Curious what the index actually holds? Read our CRSP US Total Market Index profile.
VTI returns by year (USD)
| Year | Total return |
|---|---|
| 2026 (so far) | +11.04% |
| 2025 | +17.10% |
| 2024 | +23.81% |
| 2023 | +26.05% |
| 2022 | -19.52% |
| 2021 | +25.68% |
| 2020 | +21.08% |
| 2019 | +30.67% |
| 2018 | -5.23% |
| 2017 | +21.21% |
| 2016 | +12.82% |
| 2015 | +0.36% |
| 2014 | +12.55% |
| 2013 | +33.45% |
| 2012 | +16.45% |
| 2011 | +0.97% |
| 2010 | +17.43% |
| 2009 | +28.90% |
| 2008 | -36.99% |
| 2007 | +5.37% |
| 2006 | +15.70% |
| 2005 | +6.30% |
| 2004 | +12.78% |
| 2003 | +30.74% |
| 2002 | -20.48% |
| 2001 | -4.40% |
Calendar-year total returns of VTI in USD, dividends reinvested — the ETF tracking this index, not the raw index level.
Frequently asked
Is VTI a good investment?
VTI is a broad, low-effort way to own the CRSP US Total Market Index at 0.03% a year. $10,000 invested at the start of 2016 was worth $37,896 by the end of 2025 — an average of 14.3% per year over 10 full years, dividends reinvested. Whether it fits depends on your goals and horizon — past returns don't promise future ones, but this is the actual track record.
What is VTI's TER?
VTI's total expense ratio (TER) is 0.03% per year, deducted continuously from the fund's assets — you never get a bill, the returns are simply quoted after costs.
Does VTI pay dividends?
Yes — VTI is a distributing fund: the dividends its holdings pay are passed on to you as cash.
What would $10,000 invested in VTI be worth?
$10,000 invested at the start of 2016 was worth $37,896 by the end of 2025 — an average of 14.3% per year over 10 full years, dividends reinvested.
Curious about other amounts or start years? Try the VTI what-if calculator.