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ETF Comparison / Total Market / ETF vs Mutual Fund

ETF vs Mutual Fund

Understand the difference between ETFs and mutual funds

VTI

Vanguard Total Stock Market ETF

Canopy Recommended
Vanguard

Overview

Tracks the CRSP US Total Market Index, providing exposure to the entire U.S. stock market including small-, mid-, and large-cap growth and value stocks.

InceptionMay 2001
Assets Under Management
$1.7T
Total Holdings3,634

Cost & Efficiency

Expense Ratio
0.03%
$300 per year on a $10,000 investment
Turnover Ratio
3%
Dividend Yield
+132.0%

Top Holdings

Apple Inc.6.8%
Microsoft Corp.6.2%
NVIDIA Corp.5.1%
Amazon.com Inc.3.4%
Alphabet Inc. Class A2.1%
Meta Platforms Inc.2.0%
Alphabet Inc. Class C1.8%
Berkshire Hathaway Inc. Class B1.7%
Tesla Inc.1.6%
Eli Lilly and Co.1.4%

Historical Performance

Past performance doesn't guarantee future results

YTD
+2.1%
1 Yr
+24.8%
3 Yr
+9.2%
5 Yr
+14.6%
10 Yr
+12.8%
Data as of January 2026

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Last updated: February 2026

VTSAX

Vanguard Total Stock Market Index Fund Admiral Shares

Canopy Recommended
Vanguard

Overview

MUTUAL FUND (not ETF): Tracks the CRSP US Total Market Index. Identical holdings to VTI but trades like a traditional mutual fund with different tax treatment, trading mechanics, and minimum investment.

InceptionNovember 2000
Assets Under Management
$1.4T
Total Holdings3,634

Cost & Efficiency

Expense Ratio
0.04%
$400 per year on a $10,000 investment
Turnover Ratio
3%
Dividend Yield
+131.0%

Top Holdings

Apple Inc.6.8%
Microsoft Corp.6.2%
NVIDIA Corp.5.1%
Amazon.com Inc.3.4%
Alphabet Inc. Class A2.1%
Meta Platforms Inc.2.0%
Alphabet Inc. Class C1.8%
Berkshire Hathaway Inc. Class B1.7%
Tesla Inc.1.6%
Eli Lilly and Co.1.4%

Historical Performance

Past performance doesn't guarantee future results

YTD
+2.1%
1 Yr
+24.7%
3 Yr
+9.1%
5 Yr
+14.5%
10 Yr
+12.7%
Data as of January 2026

Learn More

Last updated: February 2026

ETF vs Mutual Fund

ETFs trade like stocks throughout the day at market prices, while mutual funds only trade once per day at a set price, with different tax implications and minimum investment requirements. Learn more about the differences →