# VTI's 3,000 Extra Stocks Cost Holders $393,400 Per $500,000

> VTI's 3,000 extra stocks cost holders $393,400 per $500,000 over a decade.
- Title: VTI's 3,000 Extra Stocks Cost Holders $393,400 Per $500,000
- Summary: VTI's 3,000 extra stocks cost holders $393,400 per $500,000 over a decade. vti, sp500, vanguard · reported by 24/7 Wall St..
- Keywords: vti, sp500, vanguard, etf, total stock market, small cap, large cap, diversification, investment, returns, market cap, fee
- Source: 24/7 Wall St. — https://247wallst.com/investing/etf/2026/09/22/vtis-3000-extra-stocks-cost-holders-393400-per-500000-over-the-past-decade
- Author: Ryne Mauck
- Published: 2026-09-22T22:35:11+00:00
- Read time: 1 min
- Topics: vti, sp500, vanguard, etf, total stock market, small cap, large cap, diversification, investment, returns, market cap, fee
## VTI's 3,000 Extra Stocks Cost Holders $393,400
Over ten years, VTI's 3,000 extra stocks cost holders $393,400 per $500,000 compared to S&P 500 returns.
## VTI Returns 243.42% Over Ten Years
VTI grew from $111.15 to $381.71 per share over ten years, returning 243.42% on a price basis.
## S&P 500 Returns 322.10% Over Ten Years
The S&P 500 grew from $168.94 to $713.11 per share, returning 322.10% over the same period.
## 78.68 Percentage-Point Spread
A $500,000 stake in VTI grew to $1,717,100 versus $2,110,500 in S&P 500, a 78.68 percentage-point gap.
## Composition Drives Shortfall
VTI's extra 3,000 small- and mid-cap stocks underperformed, diluting exposure to large-cap winners over ten years.
## Weighting Makes Drag Persistent
Both funds are market-cap weighted, but VTI adds lagging small caps that dilute returns each year over ten years.
## Cheaper Alternatives Exist
Switching to VOO or ITOT removes VTI's 3,000 extra stocks, potentially improving returns in small-cap cycles.
## Key takeaway

VTI's 3,000 extra stocks cost holders $393,400 per $500,000 over ten years compared to S&P 500.