Funds in the calculator
Every fund you can pick in the calculator, in one place. Returns are long-run yearly figures after each fund's expense ratio, and yields are each fund's trailing 12 months.
How a return is chosen
Each return is the long-run record of what the fund holds, less the fund's own expense ratio. Funds that follow the same index share one record and differ only by fee, so a fund is never ahead only because it launched in a good year. A fund with no sibling uses its own published record since launch.
These are historical averages, not forecasts. Real markets rise and fall from year to year, and the calculator also shows a lower and a higher case.
S&P 500
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| VOO S&P 500 | 10.44% | S&P 500 record | 1.06% | 0.03% | 2010 |
| IVV S&P 500 | 10.44% | S&P 500 record | 1.14% | 0.03% | 2000 |
| SPYM S&P 500 | 10.45% | S&P 500 record | 1.03% | 0.02% | 2005 |
| SPY S&P 500 | 10.38% | S&P 500 record | 1.01% | 0.0945% | 1993 |
These funds follow the same index, so they share one record: the S&P 500's 10.47% a year from 1926 through 2026 with dividends reinvested (Official Data). Each fund's return is that record minus its own expense ratio, so fees are the main difference between them.
Yield and expense ratio: VOO: StockAnalysis · IVV: Trackinsight · SPYM: State Street · SPY: State Street.
Total U.S. market
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| VTI Total U.S. stock market | 9.48% | VTI's record | 1.05% | 0.03% | 2001 |
| ITOT Total U.S. stock market | 9.48% | VTI's record | 1.02% | 0.03% | 2004 |
| SCHB Total U.S. stock market | 9.48% | VTI's record | 1.04% | 0.03% | 2009 |
These funds hold nearly the same stocks, so they share VTI's record: 9.48% a year since its 2001 launch, with dividends reinvested (Vanguard fact sheet). That span includes the 2000s lost decade and 2008, so it looks lower than the S&P 500 record, which goes back to 1926. The gap comes mostly from the period, not the fund.
Yield and expense ratio: VTI: StockAnalysis · ITOT: ETF Central · SCHB: Trackinsight.
Growth
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| VUG U.S. large-company growth | 12.15% | Own record | 0.4% | 0.03% | 2004 |
| QQQM Nasdaq-100 | 10.68% | QQQ's record | 0.45% | 0.15% | 2020 |
| QQQ Nasdaq-100 | 10.65% | QQQ's record | 0.45% | 0.18% | 1999 |
VUG uses its own record since 2004 (Vanguard fact sheet). QQQ and QQQM follow the same Nasdaq-100, so they share QQQ's record: 10.65% a year since March 1999 (StockAnalysis), with QQQM adjusted for its lower fee. That span includes the 2000 to 2002 crash, when the index fell about 82% (CME Group).
Yield and expense ratio: VUG: StockAnalysis · QQQM: StockAnalysis · QQQ: ETF Central.
Dividend stocks
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| SCHD Quality dividend stocks | 10.16% | Dividend growers record | 3.24% | 0.06% | 2011 |
| VYM High dividend yield | 9.13% | Own record | 2.26% | 0.04% | 2006 |
| VIG Dividend growers | 10.18% | Own record | 1.49% | 0.04% | 2006 |
SCHD uses the record of dividend-growing and dividend-initiating S&P 500 stocks, 10.22% a year from 1973 to 2025 (Ned Davis Research via Hartford Funds), less its expense ratio. SCHD's own record since 2011 is higher but covers a strong stretch for stocks (Schwab). VYM and VIG use their own records since 2006 (Vanguard fact sheet, Vanguard fact sheet).
Yield and expense ratio: SCHD: StockAnalysis · VYM: StockAnalysis · VIG: StockAnalysis.
Smaller companies
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| VB U.S. small companies | 9.46% | Own record | 1.26% | 0.03% | 2004 |
VB uses its own record since 2004 (Vanguard fact sheet).
Yield and expense ratio: VB: StockAnalysis.
International
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| VXUS International stocks | 6.68% | Own record | 2.4% | 0.05% | 2011 |
VXUS uses its own record since 2011 (Vanguard fact sheet).
Yield and expense ratio: VXUS: StockAnalysis.
Real estate
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| VNQ U.S. real estate (REITs) | 7.25% | Own record | 3.68% | 0.13% | 2004 |
VNQ uses its own record since 2004 (Vanguard fact sheet).
Yield and expense ratio: VNQ: StockAnalysis.
Bonds
| Fund | Return a year | Based on | Yield | Expense ratio | Launched |
|---|---|---|---|---|---|
| BND U.S. bonds | 4.12% | Current yield | 4.12% | 0.03% | 2007 |
A bond fund's future return is close to its starting yield, so BND uses its current yield, 4.12%. Since its 2007 launch it returned 3.08% a year, held down by the 2022 rate jump (Vanguard fact sheet).
Yield and expense ratio: BND: StockAnalysis.
For education only, not financial, tax or legal advice. Rules and limits change; check the sources and talk with a licensed professional about your own situation.