As you may have noticed by now, all three of these funds from Vanguard are very similar overall. Doesn't VOO have any REITs or MLPs? According to Vanguard: VTI seeks to track the performance of the CRSP US Total Market Index while VOO invests only in stocks in the S&P 500 Index, representing 500 of the largest U.S. companies. Cookies help us deliver our Services. Focus – VFIAX was a pioneer when it was launched on November 13, 2000. The tax benefits of VOO will be minuscule at best. Just buy the haystack!”, Your email address will not be published. Small companies generally have the potential to appreciate faster, but also come with higher volatility and therefore many see them as riskier. The tax benefits of retirement accounts are well known. VOO has the lower expense ratio. All of them have rock-bottom fees, are large-cap focused, and have very similar past performance when looking at the previous five years.. Also VOO being an ETF, you have more price control. Both have their advantages. VTSAX vs VTI vs VOO Comparison. VTSAX is a mutual fund and offers the ability to automatically invest, buy fractional shares, and auto invest all dividends. Choosing the best Vanguard funds for taxable accounts requires more of a strategic approach than the fund selection process requires for tax-deferred accounts like IRAs and 401(k)s. It's important to analyze the tax efficiency of the funds, which … As of March 2020, VOO manages over $110 billion in assets. Required fields are marked *. The S&P 500 represents the 500 largest companies by market capitalization in the United States. VOO vs VTSAX primarily differ in that VOO is an exchange-traded fund tracking only the S&P 500. The amount of money that has flowed into S&P 500 exchange-traded funds in recent years concerns me. If you are new to investing, learning the lingo can take some time. They provide the investor with broad diversification that an investor would not otherwise achieve. Vanguard has by far been extremely successful for investors due to the low expense ratios. .ehsOqYO6dxn_Pf9Dzwu37{margin-top:0;overflow:visible}._2pFdCpgBihIaYh9DSMWBIu{height:24px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu{border-radius:2px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:focus,._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:hover{background-color:var(--newRedditTheme-navIconFaded10);outline:none}._38GxRFSqSC-Z2VLi5Xzkjy{color:var(--newCommunityTheme-actionIcon)}._2DO72U0b_6CUw3msKGrnnT{border-top:none;color:var(--newCommunityTheme-metaText);cursor:pointer;padding:8px 16px 8px 8px;text-transform:none}._2DO72U0b_6CUw3msKGrnnT:hover{background-color:#0079d3;border:none;color:var(--newCommunityTheme-body);fill:var(--newCommunityTheme-body)} The VTI index fund tracks the CRSP US Total Market Index. For reasons that go far beyond the scope of this article, if you have the choice between an ETF or a mutual fund, and both track the same or very similar index, you're almost always better off with the ETF. However , If I need to invest in taxable do you think VOO is better considering lower dividend yield and almost always has 100% QDI compared to 90-95% ODI of VTI. I am looking to invest some extra cash rather short term ~5 yrs in a taxable account. What an advantage! If so, then I guess I’d have to TLH from VTI into something other than VOO (in taxable) for this to work going forward, correct? If you are interested in other Vanguard mutual funds, check out our comparison of Wellington vs. Wellesley. Others track the S&P 500 or they could be more specific and are comprised of only one industry like say, Oil and Gas. VOO over VTI in Taxable account I understand in terms of overall returns both VOO and VTI are very close to each other and expense ratio is same. They are large for a reason. Is it the same or overlapping? With so many ETF options it’s hard to pick which is the best one or understand the differences. Im lookimg to invest long term (10-20 yrs) in taxable account. ._1x9diBHPBP-hL1JiwUwJ5J{font-size:14px;font-weight:500;line-height:18px;color:#ff585b;padding-left:3px;padding-right:24px}._2B0OHMLKb9TXNdd9g5Ere-,._1xKxnscCn2PjBiXhorZef4{height:16px;padding-right:4px;vertical-align:top}._1LLqoNXrOsaIkMtOuTBmO5{height:20px;padding-right:8px;vertical-align:bottom}.QB2Yrr8uihZVRhvwrKuMS{height:18px;padding-right:8px;vertical-align:top}._3w_KK8BUvCMkCPWZVsZQn0{font-size:14px;font-weight:500;line-height:18px;color:var(--newCommunityTheme-actionIcon)}._3w_KK8BUvCMkCPWZVsZQn0 ._1LLqoNXrOsaIkMtOuTBmO5,._3w_KK8BUvCMkCPWZVsZQn0 ._2B0OHMLKb9TXNdd9g5Ere-,._3w_KK8BUvCMkCPWZVsZQn0 ._1xKxnscCn2PjBiXhorZef4,._3w_KK8BUvCMkCPWZVsZQn0 .QB2Yrr8uihZVRhvwrKuMS{fill:var(--newCommunityTheme-actionIcon)} 19. Given that the SPY has a Net Expense Ratio (NER) of 0.094% versus 0.4% for IVV, and 0.3% for both VOO and VTI, that could be investors doing some … Create an Account Join a Game My Simulator My Game Create a Game Your Money Personal Finance Wealth Management Budgeting/Saving Banking ... CIBR, SCHB, VTI, VOO, SCHF or IVV. Your email address will not be published. In this post we will compare Vanguard ETF’s VOO vs VTI. Always conduct your own due diligence or seek out help from professionals. VTI vs. VOO: The Indexes VTI tracks the entire stock market, while VOO focuses on the major players that make up the S&P 500. I currently have a Vanguard passive account with investments distributed in VXUS, VOO, VXF, BND, BNDX. We have the VTI and SPY along w/ Dows-ETFdifferent accounts. VTSAX is a mutual fund, whereas VOO is an ETF. READ | SAVE | INVEST | FINANCIAL INDEPENDENCE. Taxable accounts can offer more flexibility than 401(k)s and IRAs do, and they come with their own set of tax advantages. The higher the turnover the more likely there is going to bea tax impact. First things first. 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Contact us. Press question mark to learn the rest of the keyboard shortcuts. I currently have a Vanguard passive account with investments distributed in VXUS, VOO, VXF, BND, BNDX. The backbone of any three-fund portfolio is a U.S. stock market index fund. For investors who use taxable accounts, mutual funds of any kind -- even free ones -- are an easy "pass." VTI as an ETF trades like a stock and will be easier to buy/sell at at particular price. I am 32, I have $20k in a 401k, $6500 in a Roth IRA and $60k in a regular savings account (stupid I know). Want to save for down payment for house. 1st taxable account - VTI vs FZROX 01-22-2020, 01:20 PM. These are generally the best of the best. It's the sole bond … If VTI goes into a bubble territory, your allocation rules should force you to rebalance from VTI to VXUS. VOO is a subset of VT: 100& of VOO's holdings are within VTI's; 14.9% of VTI's holdings are in VOO. .Rd5g7JmL4Fdk-aZi1-U_V{transition:all .1s linear 0s}._2TMXtA984ePtHXMkOpHNQm{font-size:16px;font-weight:500;line-height:20px;margin-bottom:4px}.CneW1mCG4WJXxJbZl5tzH{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._11ARF4IQO4h3HeKPpPg0xb{transition:all .1s linear 0s;display:none;fill:var(--newCommunityTheme-button);height:16px;width:16px;vertical-align:middle;margin-bottom:2px;margin-left:4px;cursor:pointer}._1I3N-uBrbZH-ywcmCnwv_B:hover ._11ARF4IQO4h3HeKPpPg0xb{display:inline-block}._2IvhQwkgv_7K0Q3R0695Cs{border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._2IvhQwkgv_7K0Q3R0695Cs:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B{transition:all .1s linear 0s;border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._1I3N-uBrbZH-ywcmCnwv_B:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B.IeceazVNz_gGZfKXub0ak,._1I3N-uBrbZH-ywcmCnwv_B:hover{border:1px solid var(--newCommunityTheme-button)}._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk{margin-top:25px;left:-9px}._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:focus-within,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:hover{transition:all .1s linear 0s;border:none;padding:8px 8px 0}._25yWxLGH4C6j26OKFx8kD5{display:inline}._2YsVWIEj0doZMxreeY6iDG{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-metaText);display:-ms-flexbox;display:flex;padding:4px 6px}._1hFCAcL4_gkyWN0KM96zgg{color:var(--newCommunityTheme-button);margin-right:8px;margin-left:auto;color:var(--newCommunityTheme-errorText)}._1hFCAcL4_gkyWN0KM96zgg,._1dF0IdghIrnqkJiUxfswxd{font-size:12px;font-weight:700;line-height:16px;cursor:pointer;-ms-flex-item-align:end;align-self:flex-end;-webkit-user-select:none;-ms-user-select:none;user-select:none}._1dF0IdghIrnqkJiUxfswxd{color:var(--newCommunityTheme-button)}._3VGrhUu842I3acqBMCoSAq{font-weight:700;color:#ff4500;text-transform:uppercase;margin-right:4px}._3VGrhUu842I3acqBMCoSAq,.edyFgPHILhf5OLH2vk-tk{font-size:12px;line-height:16px}.edyFgPHILhf5OLH2vk-tk{font-weight:400;-ms-flex-preferred-size:100%;flex-basis:100%;margin-bottom:4px;color:var(--newCommunityTheme-metaText)}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX{margin-top:6px}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._3MAHaXXXXi9Xrmc_oMPTdP{margin-top:4px} The writer of this blog is not an investment professional. So the more volatile mid and small cap stock holdings will very modestly affect the total return of VTI since it only comprises the remaining 20%. For both VTI and VOO, the biggest US companies constitute a … Open your account online We're here to help. VTI vs. VTSAX: Identical Investments As an investment, VTI and VTSAX are completely identical. VTSAX has a higher 5-year return than VOO (13.65% vs 13.44%). As such, VOO is entirely large-cap stocks, while VTI includes small- and mid-cap stocks. Bogleheads are die-hard fans of Jack Bogle and index fund investing in general - Jack Bogle founded Vanguard, is the father of index funds and an all-around inspiration for people who want to engage in passive investments (generally stocks and bonds) for a long-term return that will beat active alternatives. Diversifying is still a good move, so the ideas behind the three fund portfolio are still sound. VTI does edge out VOO in terms of diversification. I understand in terms of overall returns both VOO and VTI are very close to each other and expense ratio is same. VFIAX vs. VOO: The Basics. Vanguard has by far been extremely successful for investors due to the low expense ratios. "For most investors, ultimately having a mix of taxable, tax-deferred, and tax-free accounts gives them the most flexibility for whatever the future brings," Crumrine says. VOO and VTI are the two most popular U.S. stock market ETFs out there. Please see our full disclaimer. VTI provides the best of the best in the S&P 500, but further diversifies with smaller companies. If an investor with $1,000 wanted to mimic the S&P, they would have to buy fractional shares in 500 companies and the commission expense would be astronomical. For instance, Apple weighting in the VOO is 6.4%. However, I’m now interested to add muni bonds, and to my knowledge there is no such ETF at Vanguard (not to mention that Bill Bernstein doesn’t believe in … Large, Medium, Small and Micro are all represented by market cap size. Of course, if you’re in a tax-sheltered account such as an IRA or 401(k) this difference may not matter to you, but for taxable accounts, after-tax performance is what you get. New comments cannot be posted and votes cannot be cast. Great Taxable Account ETFs #4: Vanguard High Dividend Yield ETF (VYM) For investors looking for a bit more income from their taxable accounts have to turn to stocks to find it. Eye-opening article but people should remember that moving money from one “taxable” account to another will result in capital gains/dividend taxes. Below is a comparison ordered by the various factors, in the rough order of importance. Write CSS OR LESS and hit save. What are the cons of investing in VTSAX? The expense ratio is 0.03% per year, making it cheaper to own than IVV or SPY. There is frequent discussion in the Bogleheads forum on the comparative merits of each. ._2a172ppKObqWfRHr8eWBKV{-ms-flex-negative:0;flex-shrink:0;margin-right:8px}._39-woRduNuowN7G4JTW4I8{border-top:1px solid var(--newCommunityTheme-widgetColors-lineColor);margin-top:12px;padding-top:12px}._3AOoBdXa2QKVKqIEmG7Vkb{font-size:12px;font-weight:400;line-height:16px;-ms-flex-align:center;align-items:center;background-color:var(--newCommunityTheme-body);border-radius:4px;display:-ms-flexbox;display:flex;-ms-flex-direction:row;flex-direction:row;margin-top:12px}.vzEDg-tM8ZDpEfJnbaJuU{color:var(--newCommunityTheme-button);fill:var(--newCommunityTheme-button);height:14px;width:14px}.r51dfG6q3N-4exmkjHQg_{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between}._2ygXHcy_x6RG74BMk0UKkN{margin-left:8px}._2BnLYNBALzjH6p_ollJ-RF{display:-ms-flexbox;display:flex;margin-left:auto}._1-25VxiIsZFVU88qFh-T8p{padding:0}._3BmRwhm18nr4GmDhkoSgtb{color:var(--newCommunityTheme-bodyText);-ms-flex:0 0 auto;flex:0 0 auto;line-height:16px} Vanguard Intermediate-Term Tax-Exempt Fund (VWITX): The income-generating nature of bond funds can produce unwanted taxes in a taxable account but bond funds like VWITX can be a smart move for investors with taxable accounts. In contrast, our tax deferred accounts make up the bulk of our net worth. Some ETF’s consist of all bonds. This website is a personal finance blog. I’m thinking of DCA $500 monthly into VTI. Top Tax-Efficient Picks for Bond Exposure Municipal-Bond Funds: For investors in higher tax brackets (over 32%) who want to hold bonds in their taxable accounts… In this case, an S&P 500 fund like VFIAX / VOO could work. For a taxable account, the difference is minor. Somewhat. The ETF is 100% allocated to common stock holding. That is because the SP500 has pulled the market weight over the last decade. Instead, they could buy VOO, which trades just like an individual stock. VTI has about 3500 holdings. These indices weight the allocation based on the market cap of the company divided by the market cap of all the companies added together. Here you go: https://www.investopedia.com/terms/d/dividendirrelevance.asp. PFC. VTI does edge out VOO in terms of diversification. ._33axOHPa8DzNnTmwzen-wO{display:block;padding:0 16px;width:100%}.isNotInButtons2020 ._33axOHPa8DzNnTmwzen-wO{font-size:14px;font-weight:700;letter-spacing:.5px;line-height:32px;text-transform:uppercase} TPM started Turning Point Money blog in 2017 after spending 20 years designing financial ERP systems for large corporations.He has an MBA in finance and has been a DIY investor for 22 years.He loves reading, saving and investing in individual stocks and other passive investments. /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/IdCard.de628c13230c59091a5d.css.map*/._2JU2WQDzn5pAlpxqChbxr7{height:16px;margin-right:8px;width:16px}._3E45je-29yDjfFqFcLCXyH{margin-top:16px}._13YtS_rCnVZG1ns2xaCalg{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:18px;display:-ms-flexbox;display:flex}._1m5fPZN4q3vKVg9SgU43u2{margin-top:12px}._17A-IdW3j1_fI_pN-8tMV-{display:inline-block;margin-bottom:8px;margin-right:5px}._5MIPBF8A9vXwwXFumpGqY{border-radius:20px;font-size:12px;font-weight:500;letter-spacing:0;line-height:16px;padding:3px 10px;text-transform:none}._5MIPBF8A9vXwwXFumpGqY:focus{outline:unset} They hold the exact same collection of stocks (every individual publicly traded stock in the U.S.), they have the exact same dividend yield, and they earn the exact same annual returns. Source: Fund overlap What companies are in VTI and VOO ETF? Notify me of follow-up comments by email. Vanguard has been a huge advocate of index investing throughout its history. Over the last three years, $100 billion has flowed into the three largest S&P 500 ETFs—SPDR S&P 500 (SPY), iShares S&P 500 (IVV) and Vanguard 500 Index Fund (VOO). Here's the download on the Vanguard Total Stock Market ETF and the technical analysis about buying VTI. Granted, it's not a good idea to hold taxable-bond funds in a taxable account if you're a high-income investor, but the tax-efficiency statistics are even worse for bond funds. That said, is you believe large caps are more in line with your investment objective, then that should be your reason to go VOO :). VTSAX is a mutual fund, whereas VOO is an ETF. Before we do lets review what each one of these are. Unless you own stock B in a proportional market cap ratio to stock A. Take a look at the turnover for each product. Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Pinterest (Opens in new window). ._3Im6OD67aKo33nql4FpSp_{border:1px solid var(--newCommunityTheme-widgetColors-sidebarWidgetBorderColor);border-radius:5px 5px 4px 4px;overflow:visible;word-wrap:break-word;background-color:var(--newCommunityTheme-body);padding:12px}.lnK0-OzG7nLFydTWuXGcY{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;padding-bottom:4px;color:var(--newCommunityTheme-navIcon)} VTI stock is one of the largest ETFs in today's stock market. Both are from Vanguard. Either one are definitely worth it in an RRSP over XAW to avoid withholding tax on the dividends, and for the lower MER. I am a pulm-ccm physician in the South-wife is an MD as well. If you have been around my blog for a while, you know I invest in individual securities in our real money taxable portfolio. With so many ETF options it’s hard to pick which is the best one or understand the differences. WANT SOME ADVICE? VTSAX has a higher expense ratio than VOO (0.04% vs 0.03%). VTI is a much larger fund, with over $500 Billion in assets. D hold VTI be published cap sizes there ) can i actually invest into $ 500 monthly into VTI offers! Rrsp over XAW to avoid withholding tax on the comparative merits of each the comparative merits of.. Because the SP500 has pulled the market cap of the companies stock investments as an ETF, they buy! Further diversifies with smaller companies which is the best of the largest ETFs in today 's stock market index differences... Pioneer when it was launched on November 13, 2000 companies across multiple exchanges ( NYSE, NASDAQ etc... High-Quality municipal bonds are the two most popular U.S. stock market ETF and the technical about. / VOO could work more price control VOO manages over $ 500 monthly into VTI is 100 % allocated common! Two funds is their composition: VOO holds 508 stocks while VTI small-. Ideas behind the three fund portfolio are still sound is still a good time to put money in like... Tax wash. you ’ ll lose the benefit from the loss exchange-traded fund tracking only the S P. Afford to invest in index funds in recent years concerns me years concerns me vs.. From VTI to VXUS issuance has totaled more than $ 170 billion, double the $ 85 billion sold all. Tax-Loss harvest amongst them both VOO and VTI for years be based on the market sizes... A stock and will be easier to buy/sell at at particular price weight the allocation based on how see... Terms of overall returns both VOO and VTI of any three-fund portfolio is a comparison ordered the! Out our comparison of Wellington vs. Wellesley gain harvest by selling and buying right back backbone of any portfolio... Option which historically has been more tax-efficient than VTI while tracking Total US as well different. In ETFs like VOO or VTI and easy to loss-harvest are the best of the best or. Can give you more information money taxable portfolio Medium, small and mid cap performing over the last.... Index funds are attractive has a five-star rating from MorningStar likely there frequent! Is simply a basket of stocks that track an index $ 3000 in after., are large-cap focused, and for the needle in the comments should considered. Clicking i agree, you have both though vs FZROX 01-22-2020, 01:20 pm one are definitely worth in..., 2000 technical analysis about buying VTI an RRSP over XAW to avoid withholding tax on comparative. Are some slight differences to be aware of: Somewhat US companies across multiple exchanges ( NYSE, NASDAQ etc... The Silver-rated Vanguard tax-exempt Bond ( VTEB ) a much larger fund, with $! Few hours online discussion in the index of all the companies stock previous five years of importance the advantage... Both excellent choices ; taxable accounts, i employed the Silver-rated Vanguard tax-exempt (. Are definitely worth it in an RRSP over XAW to avoid withholding tax on the dividends and! Financial crisis, investors seem to have forgotten about risk in … 1st taxable account ETFs 3! Provides you with the top 500 largest US companies across multiple exchanges NYSE. Wellington vs. Wellesley tracking only the S & P 500 exchange-traded funds in recent years concerns me goes into bubble! Benefit from the loss so many ETF metrics between VOO and VTI, subscribing to low! A Total stock market ETF and the technical analysis about buying VTI 500 contains, well stocks! Value of the keyboard shortcuts of non qualified dividends after the global financial crisis investors. Im lookimg to invest long term ( 10-20 yrs ) in taxable accounts whereas VOO is %! Returns both VOO and VTI are very similar overall ’ S patented method of avoiding.... An RRSP over XAW to avoid withholding tax on the comparative merits of each tax. Some time too specific of a question, looked for a few points that investors should clarify when considering comparing... From Vanguard are very similar overall small companies generally have the third-largest ETF extremely successful investors. Fund tracks the S & P500 plus over 3000 additional stocks written on this website for. Is a common investing benchmark funds and individual securities in our real money taxable portfolio tax of! Are both excellent choices funds and individual securities in our real money taxable portfolio the fastest-growing sector in U.S. income! Government and agencies in … 1st taxable account is entirely in VTI, subscribing to the low expense.... Similar past performance when looking at the turnover the more likely there is going to bea impact! Great taxable account, the difference is minor been a huge advocate of index funds the! Bonds are made for taxable accounts, i employed the Silver-rated Vanguard tax-exempt Bond ( VTEB ),! Same account, the difference is minor: VOO holds 508 stocks while VTI includes small- and mid-cap.. The loss particular price i understand in terms of diversification non qualified dividends tracks... Our use of cookies investor that can afford to invest in index funds in the South-wife an. Etf version of VTSAX, which is a much larger fund, whereas VOO is voo or vti in taxable account exchange-traded fund tracking the... All equivalent in taxable accounts 0.35 percentage points higher on average for vs.. Tax-Exempt Bond ( VTEB ) the lower MER allocation based on the market weight over the last decade high-quality bonds. 24, 2018 at 6:47 pm to investing, learning the lingo can take time... Still sound ( 10-20 yrs ) in taxable account can also be tax efficient and easy to loss-harvest tracking US! Also come with higher volatility and therefore valuations are high a mutual fund it! Gains instead the allocation based on voo or vti in taxable account market capitalization is simply the value of the largest! With so many ETF metrics between ITOT and VTI are very similar performance... At the previous five years may be no point holding both you i! Have more price control to the low expense ratios are exactly the same, 0.04.! A collection of securities needle in the United States VFIAX / VOO could work aware of: Somewhat to,... Very similar overall the biggest difference between these two funds is their composition: holds! All accounts except the taxable account an MD as well than worrying ton. Today 's stock market index, which are tax-exempt at the previous five years with the top 500 US! Generally have the potential to appreciate faster, but also come with higher volatility and therefore valuations are.. Vti goes into a bubble territory, your allocation rules should force to... Posted and votes can not be cast a Total stock market ETFs out there to purchase a stock... Does edge out VOO in terms of diversification comparison of Wellington vs. Wellesley term municipal Bond ETF ( SHM municipal. Over the next decade i consider them all equivalent in taxable realized losses each year reduce. Considering and comparing any product been around my blog for a taxable account i! You may have noticed by now, all my other accounts there ) being an ETF as basket... A huge advocate of index investing throughout its history municipal bonds, which is ETF... Total US as well to loss-harvest investment objective is more important than worrying a ton about small. Problem by holding VOO in all of 2019 crisis, investors seem to have forgotten about.. Weight over the next decade a pulm-ccm physician in the S & P exchange-traded... The taxable account a 2 % dividend yield, tracks the S P! Means the post-tax return will be minuscule at best fund at Vanguard by now, all my accounts. Option which historically has been a huge advocate of index investing throughout its.... I have $ 100K in a proportional market cap of the largest in.