SPIT vs VTI
F/m Emerald Special Situations ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SPIT or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. SPIT led over the full window, VTI over 1Y. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 35.5%.
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 | SPIT | VTI |
|---|---|---|
| Expense Ratio | 0.89% | 0.03%Best |
| AUM | $33M | $689.2B |
| Dividend Yield | 6.09% | 1.06% |
| Holdings | 92 | 3,524 |
| YTD Return | +9.94% | +13.02%Best |
| 1Y Return | +14.97% | +16.63%Best |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Volatility (annualized) | 24.9% | 13.1%Best |
| Max Drawdown | -16.6% | -8.9%Best |
| $10,000 over 1 years | $11,766Best | $11,475 |
| Top 10 Weight | 35.5% | 33.5%Best |
| Fund Family | F-m investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Oct 6, 2025 | May 24, 2001 |
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Oct 6, 2025 to Oct 14, 2026 (1 years).
SPIT 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 covers the 1 years both funds cover.
SPIT vs VTI Performance
F/m Emerald Special Situations ETF (SPIT) is an ETF from F-m investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SPIT returned +14.97% while VTI returned +16.63%. Year to date, SPIT is up 9.94% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPIT has been the more volatile fund, with annualized monthly volatility of 24.9% compared with 13.1% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -16.6% for SPIT and -8.9% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SPIT charges 0.89% per year while VTI charges 0.03%. On a $10,000 position that is $89 vs $3 annually, a gap of $86 per year that compounds over a long holding period. On income, SPIT currently yields 6.09% against 1.06% for VTI.
Holdings Overlap
91.2% of SPIT's money is in holdings VTI also owns. 11.0% of VTI's money is in holdings SPIT also owns.
Most of SPIT is already inside VTI. Owning both mostly buys the same companies twice.
40 positions in common, counted across the 44 positions we hold weights for in SPIT and 3,441 in VTI, against full books of 92 and 3,524.
What only one of them owns
Our book lists 1,132 positions for VTI that do not appear in our book for SPIT (86.6% of the fund), and 3 for SPIT that do not appear in VTI (6.6%).
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 SPIT | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 2.51% | 6.88% | 4.37% |
| AMZNAmazon.Com Inc | 3.73% | 3.41% | 0.32% |
| CORTCorcept Therapeutics Inc | 5.58% | 0.01% | 5.57% |
| TTITetra Technologies Inc | 4.30% | 0.00% | 4.30% |
| GHGuardant Health, Inc | 3.64% | 0.03% | 3.61% |
| TVTXTravere Therapeutics Inc | 3.31% | 0.01% | 3.30% |
| EEExcelerate Energy, Inc. | 3.14% | 0.00% | 3.14% |
| SOISolaris Oilfield Infrastructure Inc Com Cl A | 3.03% | 0.00% | 3.03% |
| IDCCInterdigital Inc | 2.81% | 0.01% | 2.80% |
| ARLOArlo Technologies Inc | 2.77% | 0.00% | 2.77% |
91.2% of SPIT 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, SPIT or VTI?
SPIT has an expense ratio of 0.89% while VTI charges 0.03%. VTI is the cheaper option, by $86 a year on a $10,000 investment.
Which performed better, SPIT or VTI?
Over the past year SPIT returned +14.97% vs +16.63% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), SPIT annualized +17.66% vs +14.75% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SPIT or VTI?
SPIT has been the more volatile fund at 24.9% annualized versus 13.1% for VTI. Worst drawdown: SPIT -16.6% vs VTI -8.9%.
Should I hold both SPIT and VTI?
SPIT and VTI have a monthly-return correlation of 0.80, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SPIT and VTI?
91.2% of SPIT's money is in holdings VTI also owns. 11.0% of VTI's is in holdings SPIT also owns. They hold 40 positions in common, counted across the 44 positions we hold weights for in SPIT and 3,441 in VTI.
Which pays a higher dividend, SPIT or VTI?
SPIT yields 6.09% while VTI yields 1.06%, so SPIT currently pays the higher dividend yield.
Is VTI better than SPIT?
VTI has a lower expense ratio. SPIT led over the full window, VTI over 1Y. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 35.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.