VTI vs VYM: Yield, Cost and Returns Compared
As of Nov 5, 2026, VYM yields more: 2.26% (dividend yield) against 1.08% for VTI. VTI is cheaper to own at 0.03% a year vs 0.04%. Over the same 18 years (Dec 2007 to Oct 2026), VTI returned 11.0% a year with distributions reinvested, and VYM 9.7%.
VTIVanguard Morningstar Total Stock Market ETF1.08%dividend yield
VYMVanguard High Dividend Yield Index Fund ETF Shares2.26%dividend yield| Compared | VTI | VYM |
|---|---|---|
| YieldDividend yield | 1.08% | 2.26% |
| Expense ratio | 0.03% | 0.04% |
| Total return, 1 yr | +12.0% | +19.3% |
| Total return, 3 yr (a year) | +23.1% | +20.9% |
| Total return, 5 yr (a year) | +10.9% | +11.8% |
| Total return, 10 yr (a year) | +14.9% | +12.0% |
| Worst drop since Dec 2007 | -48.2% | -48.8% |
| Share price since Dec 2007 | +412% | +220% |
| Pays | Quarterly | Quarterly |
| Issuer | Vanguard | Vanguard |
| Assets | $2.3T | $100.1B |
| Started | 2001 | 2006 |
| Type | Large Blend | Large Value |
Higher yield
VYM
2.26%
Lower cost
VTI
0.03%
Better total return
VTI
11.0%/yr
Smaller worst drop
VTI
-48.2%
Key facts: VTI vs VYM
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, VTI yields 1.08% (dividend yield) and VYM yields 2.26% (dividend yield).
- VTI's expense ratio is 0.03% and VYM's is 0.04%: $3 vs $4 a year on $10,000.
- From Dec 2007 to Oct 2026, $10,000 in VTI grew to $71,593 (11.0% a year) and $10,000 in VYM to $57,072 (9.7% a year), distributions reinvested.
- Their worst month-end drops over that time: -48.2% for VTI and -48.8% for VYM.
- 1 of VTI's top ten holdings are also in VYM's top ten, an overlap of at least 2% of the fund.
Cite this page
SmarterDividends, "VTI vs VYM: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/vti-vs-vym
$10,000 in each, Dec 2007 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
VTI became
$71,593
11.0% a year
VYM became
$57,072
9.7% a year
Year by year
| Year | VTI | VYM |
|---|---|---|
| 2025 | +17.1% | +15.4% |
| 2024 | +23.8% | +17.6% |
| 2023 | +26.0% | +6.6% |
| 2022 | −19.5% | −0.4% |
| 2021 | +25.7% | +26.2% |
| 2020 | +21.1% | +1.1% |
| 2019 | +30.7% | +24.0% |
| 2018 | −5.2% | −5.9% |
| 2017 | +21.2% | +16.4% |
| 2016 | +12.8% | +17.0% |
| 2015 | +0.4% | +0.3% |
| 2014 | +12.5% | +13.5% |
| 2013 | +33.4% | +30.1% |
| 2012 | +16.4% | +12.7% |
| 2011 | +1.0% | +10.6% |
| 2010 | +17.4% | +14.2% |
| 2009 | +28.9% | +17.1% |
| 2008 | −37.0% | −31.9% |
Total return each calendar year, distributions reinvested.
Top holdings
1 of the top ten overlap, at least 2% of each fund.
VTI
- NVDA NVIDIA Corp7.1%
- AAPL Apple Inc6.6%
- MSFT Microsoft Corp5.2%
- AMZN Amazon.com Inc3.3%
- GOOGL Alphabet Inc Class A2.8%
- AVGO Broadcom Inc2.3%
- META Meta Platforms Inc Class A2.2%
- GOOG Alphabet Inc Class C2.2%
- MU Micron Technology Inc1.6%
- TSLA Tesla Inc1.4%
VYM
- AVGO Broadcom Inc6.9%
- JPM JPMorgan Chase & Co3.8%
- XOM ExxonMobil Holdings Corp2.8%
- JNJ Johnson & Johnson2.7%
- ABBV AbbVie Inc2.0%
- CSCO Cisco Systems Inc1.8%
- CVX Chevron Corp1.6%
- CAT Caterpillar Inc1.6%
- MRK Merck & Co Inc1.5%
- BAC Bank of America Corp1.5%
VTI vs VYM: questions
Is VTI or VYM better?
It depends on the job. VYM pays more today (2.26% vs 1.08%), VTI costs less, and VTI has the better total return over Dec 2007 to Oct 2026, with VTI holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, VTI or VYM?
VYM, at 2.26% against 1.08% for VTI as of Nov 5, 2026. On $10,000 that's about $226 vs $108 a year at today's rates.
Which has the better total return?
VTI. From Dec 2007 to Oct 2026, it returned 11.0% a year with distributions reinvested, against 9.7% for VYM. $10,000 became $71,593 vs $57,072.
Which is cheaper, VTI or VYM?
VTI, with a 0.03% expense ratio against 0.04%.
Do VTI and VYM hold the same things?
Partly. 1 of their top ten holdings match (AVGO), at least 2% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. VTI leads on 5 of 8 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.