VTI is Vanguard's total U.S. stock market index fund, an ETF with 3,479 holdings that costs 0.03% a year. See what VTI could grow to at its past rates, with dividends reinvested or price only.
Price grows 8.94% a year, VTI's pace over the last 5 years. Not a promise.
At a steady 7% a year, a common rule of thumb: $295,340
With dividends reinvested, the plan is worth twice what you put in by year 12.Price only, the plan is worth twice what you put in by year 14.
How much does VTI pay in dividends?
What VTI pays now
VTI passes on the dividends of its 3,479 holdings, the companies in the U.S. stock market.
The yield is the last payment times 4, divided by today's price. The plan starts from the average of the last 4 payments, $3.95 a share a year.
Next VTI dividend: ~$1.014 per share, estimated around Dec 24
Dividends in this plan
That is more than the dividends paid, because the shares they buy keep growing. Not a promise.
VTI at a Glance
| VTI latest price | $371.00 (close Nov 13, 2026) |
| 1-year price change | +12.5% |
| YTD price change | +10.7% |
| Latest VTI dividend per share | $0.956 (ex-dividend Sep 28, 2026) |
| Forward yield (run-rate) | 1.03% ($0.956 × 4 = $3.82 / year) |
| 12-month (TTM) yield | 1.06% ($3.95 paid in the last 12 months) |
| Payout frequency | Quarterly |
| Next pay date (est.) | Dec 24, 2026 |
VTI Dividend FAQ
Does VTI pay quarterly dividends?
Yes. VTI pays a dividend every quarter (4 times a year), not monthly. The latest payment was $0.956 per share.
When is VTI’s next dividend?
VTI’s latest dividend was paid Sep 30, 2026 (ex-dividend Sep 28, 2026). The next one hasn’t been declared yet; on last year’s schedule it is estimated at ~$1.014 per share around Dec 24, 2026.
What is VTI’s dividend yield?
VTI’s forward dividend yield is 1.03% at the current run-rate: the latest $0.956 payment × 4 payments a year = $3.82 per share a year, against the latest price of $371.00.
How it is worked out. VTI tracks the U.S. stock market, so its price moves with those companies. VTI's price grows 8.94% a year, its price growth over the last 5 years (8.94%) or 10 years (12.78%), whichever is lower. Growth compounds every year. Dividends start at $3.95 a share a year (average of the last 4 payments), grow 6.22% a year and are paid 4 times a year. Monthly adds go in 3 months at a time, when VTI pays. With DRIP on, each dividend buys more shares. Price only leaves them out. What VTI really did over the last 5 years: 10.46% a year with dividends reinvested. Not a promise.
Your plan on VTI's real prices
The same amounts, no forecast, on VTI's real prices over the last 10 years: $10,000 at the start plus $500 every 30 days, Nov 14, 2016 to Nov 13, 2026.
Year by year
| Year | You put in | Value, reinvestedprice only | Growth added | Dividends that year |
|---|---|---|---|---|
| 1 | $16,000 | $17,376$17,226 | $1,376$1,226 | $146– |
| 2 | $22,000 | $25,487$25,097 | $3,487$3,097 | $219– |
| 3 | $28,000 | $34,403$33,672 | $6,403$5,672 | $296– |
| 4 | $34,000 | $44,199$43,014 | $10,199$9,014 | $377– |
| 5 | $40,000 | $54,959$53,191 | $14,959$13,191 | $462– |
| 6 | $46,000 | $66,773$64,278 | $20,773$18,278 | $552– |
| 7 | $52,000 | $79,741$76,356 | $27,741$24,356 | $647– |
| 8 | $58,000 | $93,972$89,514 | $35,972$31,514 | $746– |
| 9 | $64,000 | $109,584$103,848 | $45,584$39,848 | $852– |
| 10 | $70,000 | $126,707$119,463 | $56,707$49,463 | $963– |
| 11 | $76,000 | $145,482$136,474 | $69,482$60,474 | $1,081– |
| 12 | $82,000 | $166,064$155,006 | $84,064$73,006 | $1,206– |
| 13 | $88,000 | $188,623$175,195 | $100,623$87,195 | $1,338– |
| 14 | $94,000 | $213,344$197,189 | $119,344$103,189 | $1,478– |
| 15 | $100,000 | $240,427$221,148 | $140,427$121,148 | $1,626– |
| 16 | $106,000 | $270,094$247,250 | $164,094$141,250 | $1,784– |
| 17 | $112,000 | $302,585$275,685 | $190,585$163,685 | $1,950– |
| 18 | $118,000 | $338,163$306,662 | $220,163$188,662 | $2,127– |
| 19 | $124,000 | $377,116$340,409 | $253,116$216,409 | $2,314– |
| 20 | $130,000 | $419,758$377,172 | $289,758$247,172 | $2,514– |
Has the U.S. stock market ever lost money over 10 years?
Not since June 2001, where VTI's prices here start. With dividends reinvested, all 186 ten-year stretches ended higher. SPY's prices go back to January 1993. On that longer record the S&P 500, most of the same market, ended lower in 24 of 287 ten-year stretches with dividends reinvested. Every 15-year and 20-year stretch ended higher. The worst 10 years ran from Sep 4, 2001 to Sep 6, 2011. With dividends reinvested that was 3.3% a year, price only 1.5% a year.
The biggest fall was 57%, from Oct 9, 2007 to Mar 9, 2009. The price got back to that high on Feb 1, 2013, 5.3 years after the top. With dividends reinvested it got back sooner, on Mar 13, 2012.
| Held for | Higher, with dividends | Higher, price only | Worst, a year |
|---|---|---|---|
| 10 years | 186 of 186 | 186 of 186 | 3.3% |
| 15 years | 126 of 126 | 126 of 126 | 6.2% |
| 20 years | 66 of 66 | 66 of 66 | 9.1% |
From VTI's own prices, Jun 15, 2001 to Nov 13, 2026. A stretch starts on the first trading day of each month. The worst column counts dividends. Dividends are reinvested at the ex-dividend day close. This is the record so far, not a promise for the next 10 years.
VTI fund facts
| Tracks | Total U.S. stock market |
| Run by | Vanguard |
| Fund type | Index fund, ETF |
| Holdings | 3,479 |
| Expense ratio | 0.03% a year, $3 on every $10,000 |
| Fund size | $2.30T |
| Inception | May 24, 2001 |
| Price | $371.00 on Nov 13, 2026 |
VTI Holdings
VTI holds 3,479 positions — each with its current price, 1-year and year-to-date price change, payout frequency, portfolio weight, forward yield, and its live trade signal. Showing positions 1–25 of 3,479, 25 per page, ranked by portfolio weight.
| Ticker | Dividend Safety | Price | 1Y % | YTD % | Dividend | FWD Yield | Freq | Weight (%) | Shares | Signal |
|---|---|---|---|---|---|---|---|---|---|---|
| NVDA | Dividend Safety Rating: paid plans only | $162.86 | -12.84% | -12.68% | $0.25 | 0.61% | Quarterly | 6.43% | 732.1M |  NVDA has a Trend Signal — Oct 15 '26 (29 days ago) |
| AAPL | Dividend Safety Rating: paid plans only | $356.40 | +30.57% | +31.10% | $0.27 | 0.30% | Quarterly | 6.32% | 467.7M | AAPL has a Trend Signal — Nov 2 '26 (11 days ago) |
| MSFT | Dividend Safety Rating: paid plans only | $524.19 | +4.15% | +8.39% | $0.91 | 0.69% | Quarterly | 4.81% | 236.5M | MSFT has a Trend Signal — Oct 16 '26 (28 days ago) |
| AMZN | $266.65 | +12.24% | +15.52% | $0.00 | 0.00% | — | 3.66% | 308.3M | AMZN has a Trend Signal — Oct 23 '26 (21 days ago) | |
| GOOGL | Dividend Safety Rating: paid plans only | $295.81 | +6.19% | -5.49% | $0.22 | 0.30% | Quarterly | 2.91% | 186.7M | GOOGL has a Trend Signal — Oct 19 '26 (25 days ago) |
| AVGO | Dividend Safety Rating: paid plans only | $347.01 | +2.07% | +0.26% | $0.65 | 0.75% | Quarterly | 2.57% | 150.8M | AVGO has a Trend Signal — Aug 17 '26 (88 days ago) |
| GOOG | Dividend Safety Rating: paid plans only | $292.51 | +4.80% | -6.78% | $0.22 | 0.30% | Quarterly | 2.32% | 148.7M | GOOG has a Trend Signal — Oct 19 '26 (25 days ago) |
| META | Dividend Safety Rating: paid plans only | $641.87 | +5.24% | -2.76% | $0.53 | 0.33% | Quarterly | 1.70% | 69.9M | META has a Trend Signal — Oct 23 '26 (21 days ago) |
| LLY | Dividend Safety Rating: paid plans only | $1,444.80 | +41.25% | +34.44% | $1.73 | 0.48% | Quarterly | 1.36% | 27.0M | LLY has a Trend Signal — Oct 9 '26 (35 days ago) |
| JPM | Dividend Safety Rating: paid plans only | $346.29 | +11.89% | +7.47% | $1.65 | 1.91% | Quarterly | 1.31% | 85.3M | JPM has a Trend Signal — Sep 17 '26 (57 days ago) |
| MU | Dividend Safety Rating: paid plans only | $778.11 | +228.39% | +172.63% | $0.15 | 0.08% | Quarterly | 1.29% | 35.9M | MU has a Trend Signal — Sep 14 '26 (60 days ago) |
| BRK-B | $593.29 | +15.63% | +18.03% | $0.00 | 0.00% | — | 1.28% | 57.3M | BRK-B has a Trend Signal — Oct 12 '26 (32 days ago) | |
| TSLA | $390.24 | -2.92% | -13.23% | $0.00 | 0.00% | — | 1.22% | 89.7M | TSLA has a Trend Signal — Oct 15 '26 (29 days ago) | |
| AMD | $534.15 | +115.42% | +149.42% | $0.01 | 0.00% | — | 1.08% | 51.9M | AMD has a Trend Signal — Oct 16 '26 (28 days ago) | |
| XOM | Dividend Safety Rating: paid plans only | $170.61 | +43.62% | +41.77% | $1.03 | 2.41% | Quarterly | 0.90% | 132.0M | XOM has a Trend Signal — Nov 6 '26 (7 days ago) |
| JNJ | Dividend Safety Rating: paid plans only | $286.06 | +46.51% | +38.23% | $1.34 | 1.87% | Quarterly | 0.86% | 76.7M | JNJ has a Trend Signal — Oct 2 '26 (42 days ago) |
| V | Dividend Safety Rating: paid plans only | $425.73 | +26.68% | +21.39% | $0.78 | 0.73% | Quarterly | 0.83% | 51.8M | V has a Trend Signal — Oct 27 '26 (17 days ago) |
| WMT | Dividend Safety Rating: paid plans only | $128.09 | +24.92% | +14.97% | $0.25 | 0.77% | Quarterly | 0.68% | 139.6M | WMT has a Trend Signal — Oct 9 '26 (35 days ago) |
| MA | Dividend Safety Rating: paid plans only | $661.16 | +19.01% | +15.81% | $0.87 | 0.53% | Quarterly | 0.63% | 25.1M | MA has a Trend Signal — Oct 26 '26 (18 days ago) |
| ABBV | Dividend Safety Rating: paid plans only | $295.06 | +27.02% | +29.13% | $1.73 | 2.35% | Quarterly | 0.62% | 56.3M | ABBV has a Trend Signal — Oct 13 '26 (31 days ago) |
| COST | Dividend Safety Rating: paid plans only | $1,106.41 | +19.60% | +28.30% | $1.47 | 0.53% | Quarterly | 0.59% | 14.1M | COST has a Trend Signal — Oct 28 '26 (16 days ago) |
| CSCO | Dividend Safety Rating: paid plans only | $95.64 | +23.60% | +24.16% | $0.42 | 1.76% | Quarterly | 0.57% | 113.0M | CSCO has a Trend Signal — Oct 16 '26 (28 days ago) |
| AMAT | Dividend Safety Rating: paid plans only | $370.41 | +65.93% | +44.13% | $0.53 | 0.57% | Quarterly | 0.56% | 25.3M | AMAT has a Trend Signal — Oct 14 '26 (30 days ago) |
| BAC | Dividend Safety Rating: paid plans only | $51.02 | -3.50% | -7.24% | $0.32 | 2.51% | Quarterly | 0.55% | 203.4M | BAC has a Trend Signal — Sep 15 '26 (59 days ago) |
| UNH | Dividend Safety Rating: paid plans only | $407.52 | +22.56% | +23.45% | $2.32 | 2.28% | Quarterly | 0.52% | 28.9M | UNH has a Trend Signal — Nov 3 '26 (10 days ago) |
Questions about VTI growth, crashes and dividends
Is VTI an index fund?
Yes. VTI is Vanguard's total U.S. stock market index fund, an ETF. It owns the companies in the U.S. stock market (3,479 holdings in its latest list) and follows the index instead of picking stocks.
How much could VTI be worth in 20 years?
At its past rates, $10,000 plus $500 a month would grow to about $419,758 in 20 years with dividends reinvested, or $377,172 price only. That repeats VTI's price growth of the last 5 years every year, and real years go up and down. At a steady 7% a year it would be $295,340.
How did VTI do in past crashes?
VTI's biggest fall was 57%, from Oct 9, 2007 to Mar 9, 2009. The price got back to that high on Feb 1, 2013, and on Mar 13, 2012 with dividends reinvested.
How is the growth rate picked?
We use VTI's price growth alone, over the last 5 or 10 years, whichever is lower. Dividends are counted on their own, so the two together make the total return and nothing is counted twice. The 7% line under the result shows a slower case.
What does dividends reinvested mean?
Each dividend buys more VTI shares on the day it is paid. That is what DRIP on does. Price only leaves the dividends out, as if you spent them.
Is this a promise?
No. The calculator repeats VTI's past rates every single year. Real years go up and down. Some stretches go sideways for a decade.
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