VTI: Vanguard Total Stock Market ETF returns, drawdowns and risk
Funds that hold the whole US market or its large and mid companies, from a few hundred to several thousand stocks.
Data updated October 2026
VTI · US exchange · USDCategory: Total US stock market ETFsData from June 2020
From June 2020 to October 2026 VTI returned 16.4% a year on average with dividends reinvested, in US dollars: $10,000 invested at the start grew to $26,399.
Its deepest fall was 25.4%, from January 2022 to October 2022, and it took about 23 months to get back to the previous high. Annual volatility was 17.2%; at the last close it was 2.0% below its high.
Against SPY (SPDR S&P 500 ETF Trust), over the 76 months both have data, the correlation of monthly returns was 1.00: they moved almost in lockstep. Beta was 1.01. In months when SPY rose, VTI moved 99% as much on average; in months when SPY fell, 101% as much.
Key figures
- Annual return (CAGR)
- +16.4%
- 1-year return
- +16.0%
- 5 years, a year
- +11.5%
- 10 years, a year
- —
- Annual volatility
- 17.2%
- Maximum drawdown
- −25.4%
- Sharpe ratio
- 0.81
- Worst year
- 2022: −19.5%
Trailing returns
| Period | VTI | SPY |
|---|---|---|
| 1 year | +16.0% | +16.6% |
| 3 years, a year | +22.7% | +23.1% |
| 5 years, a year | +11.5% | +12.7% |
To the last close of October 2026. Periods longer than a year are annualised.
Growth of $10,000: VTI vs SPY
Month-end values from July 2020, the first month both funds have data.
VTI drawdowns
Percentage below the previous high, weekly.
Returns by calendar year
| Year | VTI | SPY |
|---|---|---|
| 2026(partial) | +13.0% | +13.3% |
| 2025 | +17.1% | +17.7% |
| 2024 | +23.8% | +24.9% |
| 2023 | +26.1% | +26.2% |
| 2022 | −19.5% | −18.2% |
| 2021 | +25.7% | +28.7% |
| 2020(partial) | +26.4% | — |
VTI compared
How the figures are calculated
Total return in the fund’s trading currency, from end-of-day prices with dividends reinvested on the ex-date. The fund’s own ongoing charges are already reflected in its price; trading costs, taxes and currency conversion are not included. Past returns do not predict future returns.
Sharpe ratio uses the return of short-term government bills in the same currency as the risk-free rate. The growth chart uses month-end values; drawdowns and volatility use daily closes.
Questions
What is the average annual return of VTI?
From June 2020 to October 2026 VTI returned 16.4% a year on average (CAGR) with dividends reinvested, in USD. Over the last 5 years: +11.5% a year. Over the last 12 months: +16.0%.
What was the worst drawdown of VTI?
25.4%, from January 2022 to October 2022; it took about 23 months from the previous high to get back to it.
How volatile is VTI?
Annual volatility was 17.2% over the period. Its worst month was −9.2% and 62% of months were positive. Worst calendar year: 2022 (−19.5%).
How closely does VTI follow SPY?
Over 76 months the correlation of monthly returns was 1.00, so they moved almost in lockstep, with a beta of 1.01.
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Source: MarketStack end-of-day prices, total return with dividends reinvested. Figures are historical and descriptive; they are not forecasts and not investment advice. MEDGE Capital does not recommend buying or selling any instrument. Risk disclaimer.