TMUS vs. VTI

Last updated Jul 14, 2026

TMUS (T-Mobile US, 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, TMUS returned 16.07%/yr vs 14.67%/yr for VTI. At a 0.43 correlation, their price movements are largely independent.

Performance

TMUS vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in T-Mobile US, Inc. (TMUS) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, TMUS achieves a -6.25% return, which is significantly lower than VTI's 10.96% return. Over the past 10 years, TMUS has outperformed VTI with an annualized return of 16.07%, while VTI has yielded a comparatively lower 14.67% annualized return.

TMUS

• 1D: 0.43%
• 1M: -0.36%
• 6M: -3.63%
• YTD: -6.25%
• 1Y: -15.72%
• 3Y*: 12.15%
• 5Y*: 5.76%
• 10Y*: 16.07%

VTI

• 1D: -0.78%
• 1M: 1.22%
• 6M: 8.45%
• YTD: 10.96%
• 1Y: 21.85%
• 3Y*: 19.76%
• 5Y*: 12.01%
• 10Y*: 14.67%

*Multi-year figures are annualized to reflect compound growth (CAGR)

TMUS vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TMUS T-Mobile US, Inc.	-6.25%	-6.58%	39.70%	15.02%	20.71%	-13.99%	71.96%	23.28%	0.16%	10.43%
VTI Vanguard Total Stock Market ETF	10.96%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between TMUS and VTI is -0.25, 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	-0.25
Correlation (3Y) Calculated over the trailing 3-year period	0.07
Correlation (5Y) Calculated over the trailing 5-year period	0.26
Correlation (10Y) Calculated over the trailing 10-year period	0.38
Correlation (All Time) Calculated using the full available price history since Apr 19, 2007	0.43

The correlation between TMUS and VTI shifts across timeframes, from -0.25 (1 year) to 0.43 (all time), reflecting how their relationship changes across market environments.

Return for Risk

TMUS vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

TMUS

TMUS Risk / Return Rank: 22
TMUS Sharpe Ratio Rank: 18
TMUS Sortino Ratio Rank: 18
TMUS Omega Ratio Rank: 19
TMUS Calmar Ratio Rank: 29
TMUS Martin Ratio Rank: 29

VTI

VTI Risk / Return Rank: 66
VTI Sharpe Ratio Rank: 66
VTI Sortino Ratio Rank: 64
VTI Omega Ratio Rank: 64
VTI Calmar Ratio Rank: 62
VTI Martin Ratio Rank: 73

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

TMUS vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for T-Mobile US, Inc. (TMUS) 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.

	TMUS	VTI	Difference
Sharpe ratio: Return per unit of total volatility	-0.61	1.71	-2.32
Sortino ratio: Return per unit of downside risk	-0.74	2.36	-3.11
Omega ratio: Gain probability vs. loss probability	0.91	1.31	-0.39
Calmar ratio: Return relative to maximum drawdown	-0.46	2.46	-2.92
Martin ratio: Return relative to average drawdown	-0.81	10.78	-11.58

TMUS vs. VTI - Sharpe Ratio Comparison

The current TMUS Sharpe Ratio is -0.61, which is lower than the VTI Sharpe Ratio of 1.71. The chart below compares the historical Sharpe Ratios of TMUS and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

TMUS vs. VTI - Drawdown Comparison

The maximum TMUS drawdown since its inception was -86.29%, which is greater than VTI's maximum drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for TMUS and VTI.

Drawdown Indicators

	TMUS	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-86.29%	-55.45%	-30.84%
Max Drawdown (1Y) Largest decline over 1 year	-34.02%	-8.92%	-25.10%
Max Drawdown (3Y) Largest decline over 3 years	-37.13%	-19.30%	-17.83%
Max Drawdown (5Y) Largest decline over 5 years	-37.13%	-25.36%	-11.77%
Max Drawdown (10Y) Largest decline over 10 years	-37.13%	-35.00%	-2.13%
Current Drawdown Current decline from peak	-29.38%	-0.94%	-28.44%
Average Drawdown Average peak-to-trough decline	-25.98%	-8.00%	-17.98%
Ulcer Index Depth and duration of drawdowns from previous peaks	19.51%	2.03%	+17.48%

Volatility

TMUS vs. VTI - Volatility Comparison

T-Mobile US, Inc. (TMUS) has a higher volatility of 10.41% compared to Vanguard Total Stock Market ETF (VTI) at 4.08%. This indicates that TMUS'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.

Volatility by Period

	TMUS	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	10.41%	4.08%	+6.33%
Volatility (6M) Calculated over the trailing 6-month period	21.23%	10.13%	+11.10%
Volatility (1Y) Calculated over the trailing 1-year period	26.08%	12.85%	+13.23%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	24.30%	17.51%	+6.79%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	26.15%	18.29%	+7.86%

Dividends

TMUS vs. VTI - Dividend Comparison

TMUS's dividend yield for the trailing twelve months is around 2.09%, more than VTI's 1.05% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TMUS T-Mobile US, Inc.	2.09%	1.80%	1.28%	0.41%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.05%	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

Can I hold both TMUS and VTI in my portfolio?

TMUS and VTI have a correlation of -0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, TMUS or VTI?

TMUS has higher volatility (10.41%) compared to VTI (4.08%). In terms of maximum drawdown, TMUS dropped -86.29% vs VTI's -55.45%.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (1.71 vs -0.61), 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.