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Head-to-head · ETF vs ETF
Vanguard Total Stock Market ETF vs State Street SPDR S&P 500 ETF Trust
vs
ETF·NYSE
State Street SPDR S&P 500 ETF Trust SPY
$755.72
▼ 1.77%
66 / 100 AI score
VTI vs SPY: the verdict
How VTI and SPY compare today, and what CleaRank Financial AI makes of it.
The verdict
CleaRank Financial AI
Level on score
VTI
SPY
66/100
AI score
66/100
+11.2%
1-year change
+11.2%
11.8%
Volatility (30d, yearly)
11.6%
41.1
RSI (14-day)
40.2
The verdict
The biggest gap sits in momentum, where SPY lags because its MACD line is negative.
Outlook
VTI's uptrend holds while it stays above its 50-day average at $377.54 and its 200-day at $359.19. SPY sits between its 50-day average at $767.49 and its 200-day at $728.85.
Price, side by side
Both prices start at 0% on the first day of the period you pick, so the moves compare directly.
Rebased price
-1%0%+1%+2%-0.7%-0.9%
Oct '26
0%+1%+2%+3%+4%+1.2%+0.9%
Aug '26Sep '26Oct '26
0%+2%+4%+6%+8%+4.9%+4.6%
Jun '26Jul '26Aug '26Sep '26Oct '26
-5%0%+5%+10%+15%+11%+11%
Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
-10%0%+10%+20%+30%+40%+36%+36%
Sep '24Feb '25Jul '25Dec '25May '26Oct '26
Over 1 year: VTI gained 11.2% and SPY gained 11.2%, a gap of 0.1 points in VTI's favour.
Key metrics
Size and recent performance for each.
Size and market performance
VTI
SPY
$2.32T
Size (net assets / market cap)
$809.2B
4.7M
Volume (shares, last session)
77.6M
82%
Position in 52-week range
83%
-1.6%
Price against 50-day average
-1.5%
Reading
Holding VTI costs less. Its expense ratio is 0.03%, while SPY's is 0.095%. For a $10,000 holding, that works out to $3.00 a year with VTI and $9.50 with SPY. VTI is also the bigger fund, holding $2.32T in net assets compared with $809.2B for SPY.
Momentum and sentiment
The indicators behind each AI score, side by side.
Indicators side by side
VTI
SPY
66/100
AI score
66/100
41.1
RSI (14-day)
40.2
-1.6%
Price against 50-day average
-1.5%
+3.4%
Price against 200-day average
+3.7%
Technicals
VTI is in a mixed trend, trading 1.55% below its 50-day average and 3.40% above its 200-day average. Its 14-day RSI is 41.0, in the neutral zone. SPY is in a mixed trend, trading 1.53% below its 50-day average and 3.69% above its 200-day average. Its 14-day RSI is 40.2, in the neutral zone, with the MACD line negative. VTI sits higher in its 52-week range, at 91% against 83% for SPY.
Sentiment
VTI rose 0.79% over the past month and rose 3.27% over three months. SPY fell 0.91% over the past month and rose 1.16% over three months.
Risk and practical tips
How much each moves, how much return each has paid for that risk, and what to watch if you hold either.
Risk measures
VTI
SPY
11.8%
Volatility (30d, yearly)
11.6%
0.66
Sharpe ratio
0.67
Risk
They move about the same on an average day, 0.65% for VTI and 0.65% for SPY. Their worst falls in the price history were 30.0% for VTI (February 2020 to March 2020) and 28.7% for SPY.
ProTips
- For VTI, watch the 52-week high at $385.12 above the price and the 50-day SMA at $377.54 below it.
- For SPY, watch the 50-day SMA at $767.49 above the price and the 200-day SMA at $728.85 below it.
- Costs compound: VTI charges $3.00 a year on $10,000 and SPY $9.50.
VTI vs SPY: long-term scenarios
Simulated paths from each price history. A range of outcomes, not a forecast.
Simulated growth of $10,000
$10K$20K$30K$40K$50K$48.6K$48.5K$23.3K$23.1K
202620282030203220342036
VTI
SPY
$10,952
Downside, 2036 (10th)
$11,227
$23,068
Base case, 2036 (median)
$23,346
$48,590
Upside, 2036 (90th)
$48,547
In the median simulated path, $10,000 in VTI grows to about $23,100 and $10,000 in SPY to about $23,300 by 2036. The paths come from each asset's own historical volatility and trend; they are statistical outcomes, not forecasts.
Trade plans for both
Entry, stop and target levels from each moving average and its volatility. Educational, not advice.
Actionable Trade Plans
Select Your Trade Bias
Risk Tolerance
Conservative
3%
Aggressive
Portfolio Value
$
✎
Position Size: $200 - $300 per asset
VTI
Current: $371.57
ENTRY ZONES
Conservative
$352.99
Aggressive
$371.57
RISK MANAGEMENT
STOP LOSS
$342.40
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$390.15
+10% from current
$408.73
+15% from current
$427.31
SPY
Current: $755.72
ENTRY ZONES
Conservative
$717.93
Aggressive
$755.72
RISK MANAGEMENT
STOP LOSS
$696.40
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$793.51
+10% from current
$831.29
+15% from current
$869.08
Calculate Your Trade
Disclaimer
The content is for educational purposes only. The verdict weighs trend, valuation and risk together. Trading involves risk of loss. Note: The AI favored VTI based on price momentum, on today's data.
VTI vs SPY: questions people ask
Answered from the figures on this page.
Frequently Asked Questions
Which is better, VTI or SPY?+
They score the same on CleaRank's model, 66/100. This describes the data on this page and is not a personal recommendation.
Which has performed better over the past year, VTI or SPY?+
Over the past year VTI gained 12.00%, while SPY gained 11.16%, so VTI has been the stronger performer.
Which is cheaper to own, VTI or SPY?+
VTI is the cheaper fund to hold, with an expense ratio of 0.03% compared with 0.095% for SPY.
Which pays more income, VTI or SPY?+
VTI has the higher yield, 1.06% against 0.99% for SPY. A yield is the payout divided by the price, so it changes when either one does.
Which is riskier, VTI or SPY?+
They carry about the same risk on the measures we track. Average daily move: 0.65% for VTI, 0.65% for SPY. Worst fall in the price history: 30.0% for VTI, 28.7% for SPY.
Which has stronger momentum right now, VTI or SPY?+
Readings above 70 or below 30 mark stretched momentum.
Which fund is larger, VTI or SPY?+
VTI is the bigger fund by net assets, holding $2.32T against $809.2B for SPY.
How would $10,000 have grown in VTI or SPY?+
Invested in October 2016, $10,000 would be worth $40,702 today in VTI and $42,358 in SPY.
Which is closer to its 52-week high, VTI or SPY?+
VTI is closer: it trades 1.79% below its 52-week high of $385.12, against 3.31% below $781.62 for SPY.