Vanguard Total Stock Market Index Fund VTI

VTI holds all 3800 plus US publicly traded companies weighted by market capitalization. Expense ratio 0.03 percent. Total returns from 2010 to 2025 averaged 13.7 percent annually, outperforming 92 percent of actively managed large-cap US funds per SPIVA data. The key advantage over S&P 500 funds is small-cap and mid-cap inclusion which historically provides slightly better risk-adjusted returns over 20 plus year periods. Best as the core holding of any long-term portfolio.