IVSS vs VTI
Applied Finance IVS US SMID ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IVSS or VTI?
Mid Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. IVSS is less concentrated, with 15.7% of the fund in its ten largest positions against 33.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IVSS | VTI |
|---|---|---|
| Expense Ratio | 0.59% | 0.03%Best |
| AUM | $28M | $689.2B |
| Dividend Yield | 0.06% | 1.06% |
| Holdings | 714 | 3,524 |
| YTD Return | +15.94%Best | +13.02% |
| 1Y Return | - | +16.63% |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Top 10 Weight | 15.7%Best | 33.5% |
| Fund Family | Applied Finance Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Large Cap Blend |
| Inception | Dec 3, 2025 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
IVSS vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
IVSS vs VTI Performance
Applied Finance IVS US SMID ETF (IVSS) is an ETF from Applied Finance Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, IVSS is up 15.94% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
IVSS charges 0.59% per year while VTI charges 0.03%. On a $10,000 position that is $59 vs $3 annually, a gap of $56 per year that compounds over a long holding period. On income, IVSS currently yields 0.06% against 1.06% for VTI.
Holdings Overlap
92.2% of IVSS's money is in holdings VTI also owns. 0.7% of VTI's money is in holdings IVSS also owns.
Most of IVSS is already inside VTI. Owning both mostly buys the same companies twice.
326 positions in common, counted across the 357 positions we hold weights for in IVSS and 3,441 in VTI, against full books of 714 and 3,524.
What only one of them owns
Our book lists 1,093 positions for VTI that do not appear in our book for IVSS (96.9% of the fund), and 15 for IVSS that do not appear in VTI (3.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in IVSS | Weight in VTI | Difference |
|---|---|---|---|
| STRLSterling Construction Company Inc | 1.94% | 0.02% | 1.92% |
| IDCCInterdigital Inc | 1.89% | 0.01% | 1.88% |
| DAVEDave Inc Common Stock Usd.0001 | 1.86% | 0.01% | 1.85% |
| HQYHealthequity Inc | 1.60% | 0.01% | 1.59% |
| BTSGBrightspring Health | 1.52% | 0.01% | 1.51% |
| AMRXAmneal Pharmaceuticals Inc. | 1.48% | 0.00% | 1.48% |
| SEZLUti Universal Technical Institute Inc. | 1.40% | 0.00% | 1.40% |
| PJTPjt Partners Inc | 1.39% | 0.01% | 1.38% |
| MCYMercury General Corp | 1.34% | 0.00% | 1.34% |
| OTTROtter Tail Corp. | 1.30% | 0.01% | 1.29% |
92.2% of IVSS is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IVSS or VTI?
IVSS has an expense ratio of 0.59% while VTI charges 0.03%. VTI is the cheaper option, by $56 a year on a $10,000 investment.
What is the holdings overlap between IVSS and VTI?
92.2% of IVSS's money is in holdings VTI also owns. 0.7% of VTI's is in holdings IVSS also owns. They hold 326 positions in common, counted across the 357 positions we hold weights for in IVSS and 3,441 in VTI.
Which pays a higher dividend, IVSS or VTI?
IVSS yields 0.06% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than IVSS?
VTI has a lower expense ratio. IVSS is less concentrated, with 15.7% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.