Vanguard Total Stock Market Index Fund VTI

VTI delivers unparalleled diversification by holding all 3,800+ US publicly traded companies weighted by market capitalization, making it a premier core holding for long-term investors. Its expense ratio of just 0.03% is among the lowest in the industry, and total returns from 2010 to 2025 averaged 13.7% annually, outperforming 92% of actively managed large-cap US funds per SPIVA data. The inclusion of small-cap and mid-cap stocks provides a slight edge in risk-adjusted returns over 20+ year periods compared to #2 VOO's S&P 500 focus.