VTI vs SPY — 24-Year Performance Comparison
Total US Market vs S&P 500 — backtested 2001–2024
VTI wins$73,022 vs $69,247 on $10,000 over 24 years
VTITotal US Market
Final value$73,022
CAGR+8.6%
Max drawdown-37.0%
Best year+34% (2013)
Years won14 of 24
SPYS&P 500
Final value$69,247
CAGR+8.4%
Max drawdown-37.0%
Best year+32% (2013)
Years won10 of 24
Growth of $10,000
2001–2024VTISPY
VTI$73,022
SPY$69,247
50/50 mix$71,141
50/50 blend: $71,141 (+8.5%/yr CAGR)
Splitting equally between VTI and SPY would have landed between the two — slightly lower CAGR than VTI but less volatility. Try a custom split →
Year-by-year: VTI vs SPY
| Year | VTI | SPY | Winner |
|---|---|---|---|
| 2024 | +23.8% | +23.3% | VTI |
| 2023 | +26.1% | +26.3% | SPY |
| 2022 | -19.5% | -18.2% | SPY |
| 2021 | +25.7% | +28.7% | SPY |
| 2020 | +21.1% | +18.4% | VTI |
| 2019 | +30.7% | +31.5% | SPY |
| 2018 | -5.2% | -4.4% | SPY |
| 2017 | +21.2% | +21.8% | SPY |
| 2016 | +12.7% | +12.0% | VTI |
| 2015 | +0.4% | +1.4% | SPY |
| 2014 | +12.6% | +13.7% | SPY |
| 2013 | +33.5% | +32.4% | VTI |
| 2012 | +16.4% | +16.0% | VTI |
| 2011 | +1.1% | +2.1% | SPY |
| 2010 | +17.3% | +15.1% | VTI |
| 2009 | +28.8% | +26.5% | VTI |
| 2008 | -37.0% | -37.0% | VTI |
| 2007 | +5.5% | +5.5% | VTI |
| 2006 | +15.7% | +15.8% | SPY |
| 2005 | +5.9% | +4.9% | VTI |
| 2004 | +12.5% | +10.9% | VTI |
| 2003 | +31.4% | +28.7% | VTI |
| 2002 | -21.5% | -22.1% | VTI |
| 2001 | -11.0% | -11.9% | VTI |
More comparisons
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