T vs. VTI
T (AT&T Inc.) is a stock, while VTI (Vanguard Total Stock Market ETF) is Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, T returned 3.33%/yr vs 15.02%/yr for VTI. At a 0.46 correlation, their price movements are largely independent.
Performance
T vs. VTI - Performance Comparison
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Returns By Period
In the year-to-date period, T achieves a -2.96% return, which is significantly lower than VTI's 9.62% return. Over the past 10 years, T has underperformed VTI with an annualized return of 3.33%, while VTI has yielded a comparatively higher 15.02% annualized return.
T
- 1D
- 2.52%
- 1M
- -4.69%
- YTD
- -2.96%
- 6M
- -1.93%
- 1Y
- -12.96%
- 3Y*
- 20.58%
- 5Y*
- 7.38%
- 10Y*
- 3.33%
VTI
- 1D
- 0.57%
- 1M
- 0.45%
- YTD
- 9.62%
- 6M
- 9.69%
- 1Y
- 24.78%
- 3Y*
- 20.60%
- 5Y*
- 12.20%
- 10Y*
- 15.02%
T vs. VTI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
T AT&T Inc. | -2.96% | 13.97% | 44.08% | -2.74% | 5.76% | -8.09% | -21.37% | 45.55% | -22.25% | -4.01% |
VTI Vanguard Total Stock Market ETF | 9.62% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
Correlation
The correlation between T and VTI is -0.14, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.14 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.02 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.22 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.32 |
Correlation (All Time) Calculated using the full available price history since May 31, 2001 | 0.46 |
The correlation between T and VTI shifts across timeframes, from -0.14 (1 year) to 0.46 (all time), reflecting how their relationship changes across market environments.
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Return for Risk
T vs. VTI — Risk / Return Rank
T
VTI
T vs. VTI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for AT&T Inc. (T) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| T | VTI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.56 | ||
| Sortino ratioReturn per unit of downside risk | -3.39 | ||
| Omega ratioGain probability vs. loss probability | 0.92 | 1.35 | -0.44 |
| Calmar ratioReturn relative to maximum drawdown | -0.59 | 2.79 | -3.39 |
| Martin ratioReturn relative to average drawdown | -1.22 | 12.52 | -13.74 |
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Drawdowns
T vs. VTI - Drawdown Comparison
The maximum T drawdown since its inception was -64.15%, which is greater than VTI's maximum drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for T and VTI.
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Drawdown Indicators
| T | VTI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -64.15% | -55.45% | -8.70% |
Max Drawdown (1Y)Largest decline over 1 year | -21.87% | -8.92% | -12.95% |
Max Drawdown (3Y)Largest decline over 3 years | -21.87% | -19.30% | -2.57% |
Max Drawdown (5Y)Largest decline over 5 years | -32.01% | -25.36% | -6.65% |
Max Drawdown (10Y)Largest decline over 10 years | -42.35% | -35.00% | -7.35% |
Current DrawdownCurrent decline from peak | -18.12% | -2.14% | -15.98% |
Average DrawdownAverage peak-to-trough decline | -15.72% | -8.02% | -7.70% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.64% | 1.99% | +8.65% |
Volatility
T vs. VTI - Volatility Comparison
AT&T Inc. (T) has a higher volatility of 8.21% compared to Vanguard Total Stock Market ETF (VTI) at 4.50%. This indicates that T's price experiences larger fluctuations and is considered to be riskier than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| T | VTI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.21% | 4.50% | +3.71% |
Volatility (6M)Calculated over the trailing 6-month period | 17.80% | 9.82% | +7.98% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.13% | 12.64% | +9.49% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 24.01% | 17.47% | +6.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 23.73% | 18.33% | +5.40% |
Dividends
T vs. VTI - Dividend Comparison
T's dividend yield for the trailing twelve months is around 4.71%, more than VTI's 1.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
T AT&T Inc. | 4.71% | 4.47% | 4.87% | 6.62% | 6.66% | 8.46% | 7.23% | 5.22% | 7.01% | 5.04% | 4.51% | 5.46% |
VTI Vanguard Total Stock Market ETF | 1.03% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
Frequently Asked Questions
T and VTI have a correlation of -0.14, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
T has higher volatility (8.21%) compared to VTI (4.50%). In terms of maximum drawdown, T dropped -64.15% vs VTI's -55.45%.
VTI currently has the higher Sharpe Ratio (1.97 vs -0.59), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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