PlainIndex
Menu

ETF comparison

TLT vs VTI

US Treasury (Long) vs US Total Market.

iShares 20+ Year Treasury Bond ETF · Vanguard Total Stock Market Index Fund ETF Shares

Holdings overlap

Weighted by ISIN/CUSIP
0.0 %

0 positions appear in both funds. Buying equal dollars of TLT and VTI would leave roughly 0.0% of each dollar exposed to the same underlying securities.

TLT only 99.4% Shared 0.0% VTI only 99.6%
In TLT only
46 positions
Shared
0 positions
In VTI only
3,480 positions

Side by side

TLT

iShares 20+ Year Treasury Bond ETF

iShares · US Treasury (Long)

78 composite / 100
Expense ratio
0.15%
Net assets
$41.10B
TTM yield
4.63%
Top-10 conc.
43.5%
VTI

Vanguard Total Stock Market Index Fund ETF Shares

Vanguard · US Total Market

92 composite / 100
Expense ratio
0.030%
Net assets
$2.30T
TTM yield
1.05%
Top-10 conc.
32.1%

Sub-score comparison

85
Cost
97
56
Tax efficiency
88
100
Liquidity
100
52
Concentration
68
—
Tracking quality
—
TLT sub-score VTI

Tracking quality isn't part of the composite — see what we don't score for why.

Cost difference

VTI is 12 bps cheaper than TLT. On a $100,000 position that's about $120/yr more in fees for TLT.

Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with TLT vs VTI.

Top shared holdings

0 shared in total

No shared holdings between these funds.

Only in TLT

46 total
  • United States of America 4.84%
  • United States of America 4.75%
  • United States of America 4.58%
  • United States of America 4.50%
  • United States of America 4.46%
  • United States of America 4.40%
  • United States of America 4.25%
  • United States of America 4.03%
  • United States of America 3.86%
  • United States of America 3.80%

Only in VTI

3,480 total
  • NVIDIA Corp 6.42%
  • Apple Inc 5.94%
  • Microsoft Corp 4.38%
  • Amazon.com Inc 3.21%
  • Alphabet Inc 2.67%
  • Broadcom Inc 2.34%
  • Alphabet Inc 2.11%
  • Meta Platforms Inc 2.00%
  • Tesla Inc 1.67%
  • Berkshire Hathaway Inc 1.37%

Open TLT or VTI at a brokerage

Both funds trade commission-free at major US brokerages.

Open at Fidelity

Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.

Holdings overlap is the sum of min(weight_a, weight_b) over positions matched on ISIN (CUSIP fallback). Methodology: see /methodology/.

Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.