VFV.TO vs. VTI

Last updated Jun 6, 2026

VFV.TO (Vanguard S&P 500 Index ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - VFV.TO is a S&P 500 fund tracking the S&P 500 Index, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Both are passively managed. Their correlation of 0.92 suggests significant overlap in exposure. VFV.TO charges 0.09%/yr vs 0.03%/yr for VTI.

Performance

VFV.TO vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a CA$10,000 investment in Vanguard S&P 500 Index ETF (VFV.TO) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Different Trading Currencies

VFV.TO is traded in CAD, while VTI is traded in USD. To make them comparable, the VTI values have been converted to CAD using the latest available exchange rates.

Returns By Period

The year-to-date returns for both investments are quite close, with VFV.TO having a 10.06% return and VTI slightly higher at 10.44%.

VFV.TO

• 1D: -2.35%
• 1M: 2.71%
• YTD: 10.06%
• 6M: 8.92%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

VTI

• 1D: -2.47%
• 1M: 2.66%
• YTD: 10.44%
• 6M: 9.26%
• 1Y: 28.47%
• 3Y*: 22.67%
• 5Y*: 15.46%
• 10Y*: 15.75%

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

VFV.TO vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025
VFV.TO Vanguard S&P 500 Index ETF	10.06%	14.91%
VTI Vanguard Total Stock Market ETF	10.44%	14.87%

Correlation

The correlation between VFV.TO and VTI is 0.92, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jun 9, 2025	0.92

VFV.TO vs. VTI - Sectors Allocation Comparison

Sectors	VFV.TO	VTI
Technology	35.7%	33.5%
Financial Services	11.6%	12.0%
Communication Services	11.3%	10.3%
Consumer Cyclical	10.2%	10.0%
Healthcare	8.5%	9.2%
Industrials	8.3%	9.8%
Consumer Defensive	4.9%	4.7%
Energy	3.5%	3.7%
Utilities	2.4%	2.3%
Real Estate	1.9%	2.4%
Basic Materials	1.8%	2.0%

Return for Risk

VFV.TO vs. VTI — Risk / Return Rank

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

VTI

VTI Risk / Return Rank: 64
VTI Sharpe Ratio Rank: 64
VTI Sortino Ratio Rank: 61
VTI Omega Ratio Rank: 63
VTI Calmar Ratio Rank: 60
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.

VFV.TO vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard S&P 500 Index ETF (VFV.TO) 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.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	VFV.TO	VTI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	2.35	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	1.00	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.96	—
Sharpe Ratio (All Time) Calculated using the full available price history	2.30	1.09	+1.21

Drawdowns

VFV.TO vs. VTI - Drawdown Comparison

The maximum VFV.TO drawdown since its inception was -8.62%, smaller than the maximum VTI drawdown of -28.73%. Use the drawdown chart below to compare losses from any high point for VFV.TO and VTI.

Drawdown Indicators

	VFV.TO	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-8.62%	-28.73%	+20.11%
Max Drawdown (1Y) Largest decline over 1 year	—	-8.61%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-19.75%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-23.50%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-28.73%	—
Current Drawdown Current decline from peak	-2.35%	-2.47%	+0.12%
Average Drawdown Average peak-to-trough decline	-1.38%	-3.47%	+2.09%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	2.26%	—

Volatility

Volatility by Period

	VFV.TO	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	3.68%	—
Volatility (6M) Calculated over the trailing 6-month period	—	9.37%	—
Volatility (1Y) Calculated over the trailing 1-year period	11.65%	12.21%	-0.56%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	11.65%	15.46%	-3.81%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	11.65%	16.50%	-4.85%

VFV.TO vs. VTI - Expense Ratio Comparison

VFV.TO has a 0.09% expense ratio, which is higher than VTI's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

VFV.TO vs. VTI - Dividend Comparison

VFV.TO's dividend yield for the trailing twelve months is around 0.85%, less than VTI's 1.04% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
VFV.TO Vanguard S&P 500 Index ETF	0.85%	0.92%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.04%	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 VFV.TO and VTI in my portfolio?

With a correlation of 0.92, VFV.TO and VTI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which ETF is better, VFV.TO or VTI?

On fees, VTI is cheaper at 0.03% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, VFV.TO or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.09% for VFV.TO.

What is the main difference between VFV.TO and VTI?

VFV.TO is categorized as S&P 500, while VTI is Large Cap Blend Equities. VFV.TO tracks S&P 500 Index, while VTI tracks CRSP US Total Market Index. Their fees differ too: 0.09% for VFV.TO and 0.03% for VTI.