TMSF vs VTI
T. Rowe Price Multi-Sector Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TMSF or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y.
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 | TMSF | VTI |
|---|---|---|
| Expense Ratio | 0.37% | 0.03%Best |
| AUM | $59M | $689.2B |
| Dividend Yield | 4.79% | 1.06% |
| Holdings | 829 | 3,524 |
| YTD Return | +0.89% | +13.02%Best |
| 1Y Return | +2.07% | +16.63%Best |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Fund Family | T.Rowe Price | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Nov 19, 2025 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
TMSF 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.
TMSF vs VTI Performance
T. Rowe Price Multi-Sector Income ETF (TMSF) is an ETF from T.Rowe Price and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year TMSF returned +2.07% while VTI returned +16.63%. Year to date, TMSF is up 0.89% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
TMSF charges 0.37% per year while VTI charges 0.03%. On a $10,000 position that is $37 vs $3 annually, a gap of $34 per year that compounds over a long holding period. On income, TMSF currently yields 4.79% against 1.06% for VTI.
Holdings Overlap
At least 0.1% of VTI's money is in holdings TMSF also owns.
Stated as a floor: for TMSF, our book for it covers 37.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 125 positions we hold weights for in TMSF and 3,441 in VTI, against full books of 829 and 3,524.
Top Shared Holdings
| Stock | Weight in TMSF | Weight in VTI | Difference |
|---|---|---|---|
| TMUST-Mobile Usa, Inc. 3.875% 15-Apr-2030 | 0.12% | 0.11% | 0.01% |
You are not choosing between two funds in isolation.
Whichever of TMSF and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, TMSF or VTI?
TMSF has an expense ratio of 0.37% while VTI charges 0.03%. VTI is the cheaper option, by $34 a year on a $10,000 investment.
Which performed better, TMSF or VTI?
Over the past year TMSF returned +2.07% vs +16.63% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which pays a higher dividend, TMSF or VTI?
TMSF yields 4.79% while VTI yields 1.06%, so TMSF currently pays the higher dividend yield.
Is VTI better than TMSF?
VTI has a lower expense ratio. VTI led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.