Own the entire US stock market in one ETF. VTI holds over 4,000 stocks from large-cap giants to small-cap growth companies, all for just 0.03% fees.
The Vanguard Total Stock Market ETF (VTI) tracks the CRSP US Total Market Index, providing exposure to the entire US equity market. This includes large-, mid-, small-, and micro-cap stocks.
With over 4,000 holdings, VTI offers the broadest diversification of any single US equity ETF. You get exposure to companies of all sizes across all sectors of the American economy.
| Feature | VTI | VOO |
|---|---|---|
| Expense Ratio | 0.03% | 0.03% |
| Holdings | 4,000+ | 500 |
| Small-Cap Exposure | Yes (~10%) | No |
| Dividend Yield | ~1.3% | ~1.4% |
| Historical Correlation | 99%+ (nearly identical returns) | |
The truth: VTI and VOO perform almost identically because VOO's 500 stocks represent about 80% of VTI's market cap. The main difference is philosophical — VTI gives you "the whole haystack" while VOO gives you "the biggest straws." For most Kiwi investors, either choice is excellent.
VTI is available on Hatch, Stake, Sharesies, and Interactive Brokers. IBKR offers the lowest fees for larger portfolios.
Deposit NZD and convert to USD. Compare FX rates across platforms — this is often the biggest cost difference.
Search for "VTI" and place your order. Current price is around US$290 per share. Fractional shares available on some platforms.
4,000+ stocks means you're not betting on individual companies. You own a slice of the entire US economy.
At 0.03%, VTI costs just $3 per year for every $10,000 invested. That's essentially free diversification.
Unlike VOO, VTI includes small-cap stocks that may offer higher growth potential over long periods.
VTI is a true "buy and hold forever" ETF. No need to rebalance between large and small caps.
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