I have yet to publicly disclose, but we have Vanguard exchange traded funds (ETF’s) in our retirement accounts due to the advantages we are about to explore. I'd view higher dividends positively these days. They are large for a reason. The tax benefits of retirement accounts are well known. VOO and VTI expense ratios are exactly the same, 0.04%. VOO is a subset of VT: 100& of VOO's holdings are within VTI's; 14.9% of VTI's holdings are in VOO. No need to sell if you have both though. VTI provides the best of the best in the S&P 500, but further diversifies with smaller companies. As of June 2020, there are 3,495 companies in the index of all market cap sizes. ._9ZuQyDXhFth1qKJF4KNm8{padding:12px 12px 40px}._2iNJX36LR2tMHx_unzEkVM,._1JmnMJclrTwTPpAip5U_Hm{font-size:16px;font-weight:500;line-height:20px;color:var(--newCommunityTheme-bodyText);margin-bottom:40px;padding-top:4px}._306gA2lxjCHX44ssikUp3O{margin-bottom:32px}._1Omf6afKRpv3RKNCWjIyJ4{font-size:18px;font-weight:500;line-height:22px;border-bottom:2px solid var(--newCommunityTheme-line);color:var(--newCommunityTheme-bodyText);margin-bottom:8px;padding-bottom:8px}._2Ss7VGMX-UPKt9NhFRtgTz{margin-bottom:24px}._3vWu4F9B4X4Yc-Gm86-FMP{border-bottom:1px solid var(--newCommunityTheme-line);margin-bottom:8px;padding-bottom:2px}._3vWu4F9B4X4Yc-Gm86-FMP:last-of-type{border-bottom-width:0}._2qAEe8HGjtHsuKsHqNCa9u{font-size:14px;font-weight:500;line-height:18px;color:var(--newCommunityTheme-bodyText);padding-bottom:8px;padding-top:8px}.c5RWd-O3CYE-XSLdTyjtI{padding:8px 0}._3whORKuQps-WQpSceAyHuF{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-actionIcon);margin-bottom:8px}._1Qk-ka6_CJz1fU3OUfeznu{margin-bottom:8px}._3ds8Wk2l32hr3hLddQshhG{font-weight:500}._1h0r6vtgOzgWtu-GNBO6Yb,._3ds8Wk2l32hr3hLddQshhG{font-size:12px;line-height:16px;color:var(--newCommunityTheme-actionIcon)}._1h0r6vtgOzgWtu-GNBO6Yb{font-weight:400}.horIoLCod23xkzt7MmTpC{font-size:12px;font-weight:400;line-height:16px;color:#ea0027}._33Iw1wpNZ-uhC05tWsB9xi{margin-top:24px}._2M7LQbQxH40ingJ9h9RslL{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-actionIcon);margin-bottom:8px} Others track the S&P 500 or they could be more specific and are comprised of only one industry like say, Oil and Gas. WANT TO LEARN MORE? I am 32, I have $20k in a 401k, $6500 in a Roth IRA and $60k in a regular savings account (stupid I know). VOO vs VTSAX primarily differ in that VOO is an exchange-traded fund tracking only the S&P 500. According to Vanguard: VTI seeks to track the performance of the CRSP US Total Market Index while VOO invests only in stocks in the S&P 500 Index, representing 500 of the largest U.S. companies. 5 days Is now a good time to put money in ETFs like VOO or VTI? Below is the comparison between VTSAX and VFIAX. Great Taxable Account ETFs #4: Vanguard High Dividend Yield ETF (VYM) For investors looking for … Always conduct your own due diligence or seek out help from professionals. The challenge is, everyone knows they are the best and therefore valuations are high. I am 68 years old. It's not as though large caps are guaranteeing capital gains instead. In essence, these factors make the tax efficiency of VTI vs VTSAX identical. 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