> Very low expense ratio 0.03%<\/strong> which is just $3 per year in fees for every $10,000 invested in VTI.
> Total number of stocks: 4156<\/strong>
> Total fund assets: $1.3 trillion<\/strong>
> The 10 largest stock holdings<\/strong> (mega caps) make up 26%<\/strong> of total net assets.
> The largest sector invested in is Technology \u2013 29.5%<\/strong>
> Average annual returns since inception (05\/24\/2001) is 8.69%<\/strong><\/p>\n\n\n\n
VTI holdings, composition & performance – Source: Vanguard<\/a><\/em><\/h2>\n\n\n\n![\"Vanguard](\"https:\/\/welloiledmoney.com\/wp-content\/uploads\/2021\/12\/VTI_10LargestHoldings.png\")
VTI – 10 largest holdings<\/figcaption><\/figure>\n\n\n\n
\n\n\n\n![\"Vanguard](\"https:\/\/welloiledmoney.com\/wp-content\/uploads\/2021\/12\/VTI_PortfolioComposition.png\")
VTI – sector diversification<\/figcaption><\/figure>\n\n\n\n
\n\n\n\n![\"Vanguard](\"https:\/\/welloiledmoney.com\/wp-content\/uploads\/2021\/12\/VTI_Performance.png\")
VTI – Performance<\/figcaption><\/figure>\n\n\n\n
\n\n\n\nWhat next?<\/strong><\/h2>\n\n\n\nIf you add VTI to your long-term portfolio, make sure that you continue to buy shares periodically so that you can leverage all the benefits of ‘dollar cost averaging’<\/a>.<\/p>\n\n\n\n
As time goes by, market fluctuations will cause the funds in your portfolio to occupy a bigger or a smaller percentage than your desired allocation. This can cause your overall portfolio to become imbalanced. Remember to rebalance your portfolio (every quarter or every 6 mths or yearly) so that the fund allocation fits your risk tolerance.<\/p>\n","protected":false},"excerpt":{"rendered":"
The Vanguard Total Stock Market ETF (VTI) has been a core holding in my long-term retirement portfolio for more than ten years. Previously I had separate ETFs for large, mid and small cap US stocks but I chose to consolidate and keep things simple by moving over to just one US stock ETF which is VTI. […]<\/p>\n","protected":false},"author":1,"featured_media":540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[9],"tags":[56,5,6,66,3,16,28,54],"class_list":["post-454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-bnd","tag-dollar-cost-averaging","tag-etf","tag-index-fund","tag-investing","tag-ira","tag-vti","tag-vxus","entry","has-media"],"yoast_head":"\nVanguard Total Stock Market ETF (VTI) review - 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