VTI vs. V

Last updated Jun 14, 2026

VTI (Vanguard Total Stock Market ETF) is Large Cap Blend Equities fund tracking the CRSP US Total Market Index, while V (Visa Inc.) is a stock. Over the past 10 years, VTI returned 15.02%/yr vs 15.98%/yr for V. A 0.62 correlation means they provide meaningful diversification when combined.

Performance

VTI vs. V - Performance Comparison

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

Returns By Period

In the year-to-date period, VTI achieves a 9.62% return, which is significantly higher than V's -7.69% return. Over the past 10 years, VTI has underperformed V with an annualized return of 15.02%, while V has yielded a comparatively higher 15.98% annualized return.

VTI

• 1D: 0.57%
• 1M: 1.00%
• YTD: 9.62%
• 6M: 9.69%
• 1Y: 26.27%
• 3Y*: 20.60%
• 5Y*: 12.20%
• 10Y*: 15.02%

V

• 1D: 1.05%
• 1M: -1.03%
• YTD: -7.69%
• 6M: -6.93%
• 1Y: -7.91%
• 3Y*: 13.87%
• 5Y*: 7.33%
• 10Y*: 15.98%

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

VTI vs. V - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
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%
V Visa Inc.	-7.69%	11.76%	22.32%	26.31%	-3.40%	-0.31%	17.12%	43.33%	16.49%	47.18%

Correlation

The correlation between VTI and V is 0.35, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.35
Correlation (3Y) Calculated over the trailing 3-year period	0.44
Correlation (5Y) Calculated over the trailing 5-year period	0.56
Correlation (10Y) Calculated over the trailing 10-year period	0.63
Correlation (All Time) Calculated using the full available price history since Mar 19, 2008	0.62

Over the past year, the correlation between VTI and V has dropped to 0.35 - well below their long-term average of 0.62, suggesting their price drivers have been diverging.

Return for Risk

VTI vs. V — Risk / Return Rank

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

VTI

VTI Risk / Return Rank: 70
VTI Sharpe Ratio Rank: 70
VTI Sortino Ratio Rank: 68
VTI Omega Ratio Rank: 69
VTI Calmar Ratio Rank: 64
VTI Martin Ratio Rank: 76

V

V Risk / Return Rank: 15
V Sharpe Ratio Rank: 18
V Sortino Ratio Rank: 17
V Omega Ratio Rank: 18
V Calmar Ratio Rank: 15
V Martin Ratio Rank: 5

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.

VTI vs. V - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Stock Market ETF (VTI) and Visa Inc. (V). 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.

	VTI	V	Difference
Sharpe ratio: Return per unit of total volatility	1.97	-0.56	+2.53
Sortino ratio: Return per unit of downside risk	2.67	-0.68	+3.36
Omega ratio: Gain probability vs. loss probability	1.35	0.92	+0.44
Calmar ratio: Return relative to maximum drawdown	2.79	-0.73	+3.52
Martin ratio: Return relative to average drawdown	12.52	-1.57	+14.09

VTI vs. V - Sharpe Ratio Comparison

The current VTI Sharpe Ratio is 1.97, which is higher than the V Sharpe Ratio of -0.56. The chart below compares the historical Sharpe Ratios of VTI and V, 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

VTI vs. V - Drawdown Comparison

The maximum VTI drawdown since its inception was -55.45%, which is greater than V's maximum drawdown of -51.90%. Use the drawdown chart below to compare losses from any high point for VTI and V.

Drawdown Indicators

	VTI	V	Difference
Max Drawdown Largest peak-to-trough decline	-55.45%	-51.90%	-3.55%
Max Drawdown (1Y) Largest decline over 1 year	-8.92%	-17.18%	+8.26%
Max Drawdown (3Y) Largest decline over 3 years	-19.30%	-20.38%	+1.08%
Max Drawdown (5Y) Largest decline over 5 years	-25.36%	-28.60%	+3.24%
Max Drawdown (10Y) Largest decline over 10 years	-35.00%	-36.36%	+1.36%
Current Drawdown Current decline from peak	-2.14%	-12.96%	+10.82%
Average Drawdown Average peak-to-trough decline	-8.02%	-8.26%	+0.24%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.99%	10.73%	-8.74%

Volatility

VTI vs. V - Volatility Comparison

The current volatility for Vanguard Total Stock Market ETF (VTI) is 4.50%, while Visa Inc. (V) has a volatility of 5.57%. This indicates that VTI experiences smaller price fluctuations and is considered to be less risky than V based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VTI	V	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.50%	5.57%	-1.07%
Volatility (6M) Calculated over the trailing 6-month period	9.82%	17.57%	-7.75%
Volatility (1Y) Calculated over the trailing 1-year period	12.64%	22.35%	-9.71%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	17.47%	22.82%	-5.35%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	18.33%	24.45%	-6.12%

Dividends

VTI vs. V - Dividend Comparison

VTI's dividend yield for the trailing twelve months is around 1.03%, more than V's 0.81% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
V Visa Inc.	0.81%	0.70%	0.68%	0.72%	0.76%	0.62%	0.56%	0.56%	0.67%	0.61%	0.75%	0.64%
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

Can I hold both VTI and V in my portfolio?

VTI and V have a correlation of 0.35, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, VTI or V?

V has higher volatility (5.57%) compared to VTI (4.50%). In terms of maximum drawdown, VTI dropped -55.45% vs V's -51.90%.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (1.97 vs -0.56), 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.