VGSTX vs. VTI

Last updated Jun 24, 2026

VGSTX (Vanguard STAR Fund) and VTI (Vanguard Total Stock Market ETF) are both funds - VGSTX is a Diversified Portfolio fund actively managed by Vanguard, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. VGSTX is actively managed, while VTI is passively managed. Over the past 10 years, VGSTX returned 9.86%/yr vs 15.14%/yr for VTI. Their correlation of 0.92 suggests significant overlap in exposure. VGSTX charges 0.29%/yr vs 0.03%/yr for VTI.

Performance

VGSTX vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard STAR Fund (VGSTX) 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, VGSTX achieves a 5.73% return, which is significantly lower than VTI's 8.82% return. Over the past 10 years, VGSTX has underperformed VTI with an annualized return of 9.86%, while VTI has yielded a comparatively higher 15.14% annualized return.

VGSTX

• 1D: -0.29%
• 1M: 1.05%
• YTD: 5.73%
• 6M: 5.40%
• 1Y: 16.70%
• 3Y*: 14.40%
• 5Y*: 6.44%
• 10Y*: 9.86%

VTI

• 1D: -1.39%
• 1M: -0.84%
• YTD: 8.82%
• 6M: 7.71%
• 1Y: 24.22%
• 3Y*: 20.62%
• 5Y*: 11.90%
• 10Y*: 15.14%

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

VGSTX vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
VGSTX Vanguard STAR Fund	5.73%	15.88%	13.69%	17.14%	-18.05%	9.65%	21.45%	22.21%	-5.33%	16.95%
VTI Vanguard Total Stock Market ETF	8.82%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between VGSTX and VTI is 0.93, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.93
Correlation (3Y) Calculated over the trailing 3-year period	0.92
Correlation (5Y) Calculated over the trailing 5-year period	0.93
Correlation (10Y) Calculated over the trailing 10-year period	0.94
Correlation (All Time) Calculated using the full available price history since May 31, 2001	0.92

The correlation between VGSTX and VTI has been stable across timeframes, ranging from 0.92 to 0.94 - a consistent structural relationship.

Return for Risk

VGSTX vs. VTI — Risk / Return Rank

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

VGSTX

VGSTX Risk / Return Rank: 53
VGSTX Sharpe Ratio Rank: 52
VGSTX Sortino Ratio Rank: 51
VGSTX Omega Ratio Rank: 51
VGSTX Calmar Ratio Rank: 50
VGSTX Martin Ratio Rank: 59

VTI

VTI Risk / Return Rank: 59
VTI Sharpe Ratio Rank: 58
VTI Sortino Ratio Rank: 56
VTI Omega Ratio Rank: 57
VTI Calmar Ratio Rank: 57
VTI Martin Ratio Rank: 68

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.

VGSTX vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard STAR Fund (VGSTX) 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.

	VGSTX	VTI	Difference
Sharpe ratio: Return per unit of total volatility	1.96	1.90	+0.06
Sortino ratio: Return per unit of downside risk	2.78	2.59	+0.19
Omega ratio: Gain probability vs. loss probability	1.36	1.34	+0.02
Calmar ratio: Return relative to maximum drawdown	2.58	2.73	-0.15
Martin ratio: Return relative to average drawdown	11.11	12.14	-1.03

VGSTX vs. VTI - Sharpe Ratio Comparison

The current VGSTX Sharpe Ratio is 1.96, which is comparable to the VTI Sharpe Ratio of 1.90. The chart below compares the historical Sharpe Ratios of VGSTX 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

VGSTX vs. VTI - Drawdown Comparison

The maximum VGSTX drawdown since its inception was -38.62%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for VGSTX and VTI.

Drawdown Indicators

	VGSTX	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-38.62%	-55.45%	+16.83%
Max Drawdown (1Y) Largest decline over 1 year	-6.76%	-8.92%	+2.16%
Max Drawdown (3Y) Largest decline over 3 years	-11.77%	-19.30%	+7.53%
Max Drawdown (5Y) Largest decline over 5 years	-25.55%	-25.36%	-0.19%
Max Drawdown (10Y) Largest decline over 10 years	-25.55%	-35.00%	+9.45%
Current Drawdown Current decline from peak	-0.71%	-2.85%	+2.14%
Average Drawdown Average peak-to-trough decline	-4.03%	-8.01%	+3.98%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.57%	2.00%	-0.43%

Volatility

VGSTX vs. VTI - Volatility Comparison

The current volatility for Vanguard STAR Fund (VGSTX) is 3.30%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 4.95%. This indicates that VGSTX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VGSTX	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.30%	4.95%	-1.65%
Volatility (6M) Calculated over the trailing 6-month period	7.24%	10.05%	-2.81%
Volatility (1Y) Calculated over the trailing 1-year period	8.92%	12.83%	-3.91%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	11.89%	17.51%	-5.62%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	11.86%	18.32%	-6.46%

VGSTX vs. VTI - Expense Ratio Comparison

VGSTX has a 0.29% expense ratio, which is higher than VTI's 0.03% expense ratio.

Dividends

VGSTX vs. VTI - Dividend Comparison

VGSTX's dividend yield for the trailing twelve months is around 8.63%, more than VTI's 1.04% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
VGSTX Vanguard STAR Fund	8.63%	9.13%	10.67%	5.35%	8.34%	6.70%	6.68%	6.07%	6.90%	3.32%	4.77%	5.62%
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 VGSTX and VTI in my portfolio?

With a correlation of 0.93, VGSTX 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 is riskier, VGSTX or VTI?

VTI has higher volatility (4.95%) compared to VGSTX (3.30%). In terms of maximum drawdown, VGSTX dropped -38.62% vs VTI's -55.45%.

Which has better risk-adjusted returns?

VGSTX currently has the higher Sharpe Ratio (1.96 vs 1.90), 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.