Top 4 All-in-One ETF Recommendations | Invest with Just VTI
Discover the best all-in-one ETFs that provide instant diversification with a single fund. We cover VTI, ITOT, and other total U.S. market ETFs, as well as global diversification strategies.
Whether you are just starting your investment journey or find managing multiple ETFs too time-consuming, all-in-one ETFs are an excellent solution. With a single ETF, you can gain exposure to thousands of stocks at once. In this guide, we introduce the top ETFs that cover the entire U.S. stock market and global markets.
Top 4 All-in-One ETFs Rankings
Invests in the entire U.S. stock market — roughly 4,000 companies — at an ultra-low expense ratio of just 0.03%. It covers large-cap, mid-cap, and small-cap stocks, offering the broadest possible exposure to the U.S. equity market in a single fund.
A total U.S. market ETF comparable to VTI, managed by BlackRock (iShares). Its long-term performance is nearly identical to VTI. If you already hold other iShares ETFs, ITOT lets you consolidate your portfolio within a single fund family.
Tracks the S&P 500 index, investing in 500 of the largest U.S. companies. While it excludes small-cap stocks compared to VTI, the actual difference in long-term returns is minimal. VOO follows a well-known and clearly defined benchmark that is widely recognized by investors worldwide.
The international counterpart to VTI, providing exposure to more than 8,000 stocks from markets outside the United States. Combining VTI and VXUS creates a portfolio that covers the entire global equity market at a very low cost.
Table of Contents
1. Is VTI Enough on Its Own?
VTI invests in the entire U.S. stock market — approximately 4,000 companies — ranging from large-cap to small-cap stocks. Because it covers every segment of the U.S. market, a single position in VTI gives you broad domestic diversification. However, it does not include international stocks or bonds. If you want full global diversification, consider adding VXUS for international exposure and BND for bonds.
2. The 2-ETF Portfolio Strategy
Combining VTI (U.S. stocks) with VXUS (international stocks) covers virtually the entire global equity market. Adding BND (bonds) to the mix gives you both stock and bond diversification in three funds. This three-ETF combination is widely known as the "Vanguard Three-Fund Portfolio."
Key Investment Tips
- 1.Start with VTI alone, then gradually add international exposure (VXUS) and bonds (BND) as your portfolio grows.
- 2.The long-term performance difference between S&P 500 ETFs like VOO and the total market ETF VTI is minimal — choose whichever feels more comfortable.
- 3.Beginners should aim to keep their portfolio to three or fewer ETFs to make management simple and stress-free.
- 4.Dollar-cost averaging (investing a fixed amount each month) pairs perfectly with all-in-one ETFs for long-term wealth building.
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