vs VTI
Backtest VTSAX vs VTIJun 15, 2001 – Oct 2, 2026, VTI sets the start date
Growth of $10,000
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Key metrics
| Return | VTSAX | VTI |
|---|---|---|
| Final balance | $105,983 | $105,814 |
| Total return | +959.83% | +958.14% |
| CAGR | +9.78% | +9.77% |
| Calendar years | VTSAX | VTI |
|---|---|---|
| Best year | +33.52% | +33.45% |
| Worst year | −36.99% | −36.99% |
| Positive years | 20 of 24 | 20 of 24 |
| Risk | VTSAX | VTI |
|---|---|---|
| Max drawdown | −55.33% | −55.45% |
| Longest drawdown | 4.4 years | 4.4 years |
| Volatility (annualized) | 19.24% | 19.03% |
| Risk-adjusted | VTSAX | VTI |
|---|---|---|
| Sharpe ratio | 0.58 | 0.59 |
| Sortino ratio | 0.82 | 0.83 |
| Calmar ratio | 0.18 | 0.18 |
Trailing returns
| Period | VTSAX | VTI | VTSAX − VTI |
|---|---|---|---|
| YTD | +13.69% | +13.71% | −0.01% |
| 1Y | +15.92% | +15.92% | −0.01% |
| 3Y | +22.79% | +22.79% | 0.00% |
| 5Y | +12.51% | +12.47% | +0.03% |
| 10Y | +14.80% | +14.82% | −0.02% |
| 15Y | +15.31% | +15.31% | 0.00% |
| 20Y | +11.13% | +11.13% | 0.00% |
Rolling returns
| Period | VTSAX median | VTI median | More often ahead |
|---|---|---|---|
| 1Y | +14.13% | +14.13% | VTI 55% |
| 3Y | +11.94% | +11.92% | VTI 61% |
| 5Y | +11.70% | +11.70% | VTI 67% |
| 10Y | +11.20% | +11.21% | VTI 71% |
Worst drawdowns · VTSAX
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −55.3% | Oct 2007 | Mar 2009 | Mar 2012 | 4.4 years |
| −35.0% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −34.9% | Jul 2001 | Oct 2002 | Jan 2004 | 2.5 years |
| −25.4% | Jan 2022 | Oct 2022 | Dec 2023 | 2 years |
| −20.2% | Sep 2018 | Dec 2018 | Apr 2019 | 7 months |
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −55.5% | Oct 2007 | Mar 2009 | Mar 2012 | 4.4 years |
| −35.0% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −34.7% | Jul 2001 | Oct 2002 | Jan 2004 | 2.5 years |
| −25.4% | Jan 2022 | Oct 2022 | Dec 2023 | 2 years |
| −20.0% | Sep 2018 | Dec 2018 | Apr 2019 | 7 months |
Annual returns
| Year | VTSAX | VTI | VTSAX − VTI |
|---|---|---|---|
| 2017 | +21.16% | +21.21% | −0.05% |
| 2018 | −5.18% | −5.23% | +0.05% |
| 2019 | +30.79% | +30.67% | +0.12% |
| 2020 | +20.98% | +21.08% | −0.09% |
| 2021 | +25.72% | +25.68% | +0.03% |
| 2022 | −19.52% | −19.52% | 0.00% |
| 2023 | +25.99% | +26.05% | −0.06% |
| 2024 | +23.74% | +23.81% | −0.07% |
| 2025 | +17.12% | +17.10% | +0.02% |
| 2026to Oct 2 | +13.69% | +13.71% | −0.01% |
About VTSAX vs VTI
VTSAX and VTI are two share classes of the same Vanguard fund, so they hold the same stocks, almost the whole US market. VTSAX is the mutual fund class, bought at the day's closing price and with a minimum first purchase. VTI is the ETF class, which trades all day like a stock.
VTSAX returned 9.78% a year from Jun 2001 to Oct 2026, against 9.77% for VTI. Both fell furthest in 2007–2009, VTSAX by 55.3% and VTI by 55.5%. VTI beat VTSAX in 13 of 24 full years and in 71% of rolling 10-year periods.
Uses daily closing prices with dividends reinvested. Fund fees are included, but not taxes or trading costs. The comparison starts on Jun 15, 2001, when VTI's prices begin.