VTI
etf89ConservativeVanguard Total Stock Market ETF
US Total Market
Snapshot
Tracks the entire US equity market — large, mid, and small caps. A one-fund core holding for broad US exposure at rock-bottom cost.
Long-Term Total Return
Decade-scale view, dividends reinvested, vs. the S&P 500.
Growth of $10,000 invested at the start of the period, total return (price + reinvested dividends). Illustrative.
Risk Profile
Lower volatility, steadier — capital preservation and income.
2–5 Year Outlook
Hypothetical bear / base / bull scenarios — not a prediction.
Hypothetical 5-year scenarios for $10,000 invested today.
| Scenario | Annualized | Total return | $10,000 → |
|---|---|---|---|
| Bull 17%/yr total return | +16.7%/yr | +116% | $21,645 |
| Base 13%/yr total return (≈ long-run trend) | +12.5%/yr | +80% | $18,020 |
| Bear 7%/yr total return | +7.3%/yr | +42% | $14,190 |
Projected from the fund's long-run total-return trend, widened by its volatility.
Technical Indicators
Objective price signals — moving averages, RSI, 52-week range — to interpret, not act on.
Illustrative daily prices (last ~9 months) with 50- and 200-day moving averages.
- Trading above its 50- and 200-day moving averages — a textbook uptrend.
- RSI 40 — neutral (neither overbought nor oversold).
- At or near its 52-week high.
- MACD is below its signal line (negative momentum).
Technical indicators are objective descriptions of price behavior, not signals to act on. They are computed from illustrative sample prices and say nothing about a company's value. Not investment advice.
Fund Facts
- Expense ratio
- 0.03%Lower compounds to more wealth over decades
- 30-day yield
- 1.3%
- Holdings
- 3,700
- Turnover
- 3%Proxy for tax efficiency
- Tracking error
- 0.04%
- Structure
- Passive indexFund age 24y
Sector Exposure
- Technology30%
- Financials13%
- Health Care12%
- Consumer Disc.10%
- Industrials9%
- Other26%
Geographic Exposure
- United States100%
Moat Analysis
Not a moat in the company sense, but the structural edge is maximal diversification at minimal cost — the closest thing to owning the whole US economy.
Risk Factors
What could impair the long-term thesis.
- US-only — no international diversification
- Full exposure to US equity-market downturns
- Concentration in mega-cap tech has risen
Hypothetical Growth
What a past investment would be worth today.
Hypothetical growth calculator
See what an investment made years ago would be worth today, vs. the S&P 500 — a Premium tool.
$9/mo or $84/yr · cancel anytime
Forward Scenario Modeler
Project a starting investment across multi-decade horizons.
Forward scenario modeler
Model conservative, base, and optimistic returns across 10–40 year horizons with Premium.
$9/mo or $84/yr · cancel anytime
Data as of 2025-12-31. Illustrative sample data for research & education — not live market data, and not a recommendation to buy or sell VTI.