VTSAX vs VTIAX: Returns, Drawdowns and Dividends Since 2016
VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) and VTIAX (Vanguard Total International Stock Index Fund Admiral Shares) mostly moved together (a daily correlation of 0.850, where 1 would mean identical). VTSAX came out ahead, returning 14.6% a year with dividends reinvested from January 2016 to November 2026, against 9.1% for VTIAX.
Bought on any day and held five years, VTSAX finished ahead 100% of the time. Both fell about 35% at their worst, in March 2020. VTIAX paid more in dividends, 2.3% over the past 12 months against 1.0%, yet its total return was 5.4 points a year lower.
| Measure | VTSAX | VTIAX |
|---|---|---|
| Annual return | 14.6% | 9.1% |
| $10,000 grew to | $43,581 | $25,784 |
| Worst decline | −35.0%Mar 2020 | −35.8%Mar 2020 |
| Volatility Volatility How much the fund's daily returns swing: their standard deviation over this period, annualized with the square root of 252 trading days. | 18.1% | 16.0% |
| Sharpe ratio Sharpe ratio Return above T-bills for each unit of risk: daily returns minus the T-bill ETF BIL, averaged, divided by their standard deviation and annualized. Higher is better. T-bill funds show none. Sharpe ratio calculator | 0.72 | 0.49 |
| 12-month yield 12-month yield Cash dividends with ex-dividend dates in the past 12 months, divided by the latest closing price. | 1.0% | 2.3% |
| Best year | +30.8%2019 | +32.2%2025 |
| Worst year | −19.5%2022 | −16.0%2022 |
| Correlation between them Correlation How closely the two funds' daily returns moved together over this period: 1 means identical every day, 0 means no relation. | 0.850 | |
VTSAX: Vanguard Total Stock Market Index Fund Admiral SharesVTIAX: Vanguard Total International Stock Index Fund Admiral Shares
Jan 4, 2016 to Nov 4, 2026, dividends reinvested.
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Worst declines
VTSAX fell 35.0% from Feb 19, 2020 to Mar 23, 2020 and was back at its high on Aug 12, 2020. VTIAX fell 35.8% from Jan 26, 2018 to Mar 23, 2020 and was back at its high on Nov 16, 2020.
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Year by year
VTSAX was ahead in 8 of the 11 calendar years.
| Year | VTSAX | VTIAX | Ahead (pts) |
|---|---|---|---|
| 2026 (to Nov 4) | +13.4% | +11.7% | VTSAX+1.7 |
| 2025 | +17.1% | +32.2% | VTIAX+15.1 |
| 2024 | +23.7% | +5.2% | VTSAX+18.6 |
| 2023 | +26.0% | +15.5% | VTSAX+10.5 |
| 2022 | −19.5% | −16.0% | VTIAX+3.5 |
| 2021 | +25.7% | +8.6% | VTSAX+17.1 |
| 2020 | +21.0% | +11.3% | VTSAX+9.7 |
| 2019 | +30.8% | +21.5% | VTSAX+9.3 |
| 2018 | −5.2% | −14.4% | VTSAX+9.3 |
| 2017 | +21.2% | +27.6% | VTIAX+6.4 |
| 2016 (from Jan 4) | +14.4% | +6.8% | VTSAX+7.6 |
Held for 1, 3 or 5 years: which came out ahead
Buy on any trading day from Jan 4, 2016, hold for a set time, and see which fund ended higher. The periods overlap, so they show how much the start date mattered, not separate results.
| Hold | Days tested | Ahead more often | Median lead (pts) |
|---|---|---|---|
| 1 year | 2,474 | VTSAX71% | +6.6 |
| 3 years | 1,970 | VTSAX100% | +23.1 |
| 5 years | 1,466 | VTSAX100% | +53.2 |
Median lead is the typical gap in total return across all start dates, in percentage points. The latest 5-year hold starts on Oct 27, 2021.
Dividends
Over the past 12 months VTSAX paid 1.0% of its price in dividends and VTIAX 2.3%. The returns above already include them, reinvested on each ex-dividend date.
Dividends per share by year
| Year | VTSAX | VTIAX |
|---|---|---|
| 2026 (to Nov 4) | $1.45 3 payments | $0.32 3 payments |
| 2025 | $1.81 4 payments | $1.28 4 payments |
| 2024 | $1.78 4 payments | $1.05 4 payments |
| 2023 | $1.65 4 payments | $1.00 4 payments |
| 2022 | $1.54 4 payments | $0.85 4 payments |
| 2021 | $1.42 4 payments | $1.04 4 payments |
| 2020 | $1.34 4 payments | $0.68 4 payments |
| 2019 | $1.41 4 payments | $0.91 4 payments |
| 2018 | $1.26 4 payments | $0.80 4 payments |
| 2017 | $1.14 4 payments | $0.83 4 payments |
| 2016 (from Jan 4) | $1.08 4 payments | $0.72 4 payments |
Per share in today's shares (earlier amounts are restated for share splits), by ex-dividend date.
The two funds
- VTSAX
- Vanguard Total Stock Market Index Fund Admiral Shares, a mutual fund launched Nov 13, 2000. FinLab prices start Jan 4, 2016.
- VTIAX
- Vanguard Total International Stock Index Fund Admiral Shares, a mutual fund launched Nov 29, 2010. FinLab prices start Jan 4, 2016.
More comparisons
Source: FinLab U.S. fund prices, Jan 4, 2016 to Nov 4, 2026, the days both funds traded. Returns use prices adjusted for dividends and splits, before taxes; annual return is compounded.
For research and education. Past returns do not guarantee future results, and this is not investment advice.