TOAO vs VTI
Twin Oak Active Opportunities III ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, TOAO or VTI?
VTI costs less.
VTI has a lower expense ratio.
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 | TOAO | VTI |
|---|---|---|
| Expense Ratio | 0.95% | 0.03%Best |
| AUM | $452M | $689.2B |
| Dividend Yield | 0.00% | 1.06% |
| Holdings | 49 | 3,524 |
| YTD Return | +8.07% | +13.02%Best |
| 1Y Return | - | +16.63% |
| 3Y Return (annualized) | - | +21.97% |
| 5Y Return (annualized) | - | +11.99% |
| Fund Family | Twin Oak | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Apr 24, 2026 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
TOAO 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.
TOAO vs VTI Performance
Twin Oak Active Opportunities III ETF (TOAO) is an ETF from Twin Oak and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Year to date, TOAO is up 8.07% versus a gain of 13.02% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
TOAO charges 0.95% per year while VTI charges 0.03%. On a $10,000 position that is $95 vs $3 annually, a gap of $92 per year that compounds over a long holding period. On income, TOAO currently yields 0.00% against 1.06% for VTI.
Holdings Overlap
At least 26.2% of VTI's money is in holdings TOAO also owns.
Only one direction is shown: for TOAO, our book for it lists positions totalling 109.2% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
VTI and TOAO share little of their money.
20 positions in common, counted across the 28 positions we hold weights for in TOAO and 3,441 in VTI, against full books of 49 and 3,524.
Top Shared Holdings
| Stock | Weight in TOAO | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.55% | 6.88% | 0.33% |
| MSFTMicrosoft Corp | 5.66% | 5.11% | 0.55% |
| AMZNAmazon.Com Inc | 7.15% | 3.41% | 3.74% |
| CRWDCrowdstrike Holdings Inc | 9.88% | 0.30% | 9.58% |
| AVGOBroadcom Inc | 5.72% | 2.38% | 3.34% |
| GOOGAlphabet Inc. C | 4.80% | 2.12% | 2.68% |
| AMDAdvanced Micro Devices Inc | 5.39% | 1.04% | 4.35% |
| METAMeta Platforms Inc | 4.26% | 1.70% | 2.56% |
| NETCloudflare Inc (180 Day Lockup) | 5.24% | 0.13% | 5.11% |
| SCHWSchwab Strategic T | 3.50% | 0.25% | 3.25% |
26.2% of VTI is already inside TOAO.
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, TOAO or VTI?
TOAO has an expense ratio of 0.95% while VTI charges 0.03%. VTI is the cheaper option, by $92 a year on a $10,000 investment.
What is the holdings overlap between TOAO and VTI?
At least 26.2% of VTI's money is in holdings TOAO also owns. Our book for TOAO is partial, so the real figure is this or higher. They hold 20 positions in common, counted across the 28 positions we hold weights for in TOAO and 3,441 in VTI.
Which pays a higher dividend, TOAO or VTI?
TOAO yields 0.00% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than TOAO?
VTI has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.