VTHR — Vanguard Russell 3000 ETF
Vanguard · Expense Ratio: 0.1% · US Stock · 5bp above the US Stock category average of 0.05%
Key Facts
| Ticker | VTHR |
| Full Name | Vanguard Russell 3000 ETF |
| Provider | Vanguard |
| Expense Ratio | 0.1% |
| Category | US Stock |
| Assets Under Management | $5B |
| Inception Year | 2010 (16 years ago) |
| Number of Holdings | 3,000 |
| Dividend Yield | ~1.2% (low) |
| Top Holdings | AAPL, MSFT, NVDA |
What Is VTHR?
VTHR, managed by Vanguard, launched in 2010, is a well-established ETF with adequate liquidity for most investors in the US Stock category. US total stock market ETF covering thousands of US companies across all market caps. With $5B in assets under management, it has adequate trading volume for most individual investors.
VTHR in a FIRE Portfolio
Broad US market exposure at 0.1% expense ratio makes this a cornerstone holding for any FIRE portfolio. It captures the full US equity market in a single fund.
A core holding should make up 50-80% of your equity allocation in a FIRE portfolio. Pair VTHR with an international fund like VXUS (Vanguard Total International) for geographic diversification. A common FIRE allocation is 70% VTHR + 30% VXUS.
Cost Analysis: How VTHR's 0.1% Fee Affects Your FIRE Timeline
At 0.1%, VTHR is moderately priced. Annual fees on a $100K investment: $100. Over 30 years, the fee drag shaves approximately 0.6% off your total returns. For a $1M FIRE portfolio, that's about $10,000 in cumulative fees — noticeable but reasonable for most investors.
Dividend Income Potential
With a low dividend yield of approximately 1.2%, here's what VTHR could generate in annual income at different portfolio sizes:
| Portfolio Value | Annual Dividend Income | Monthly Income |
|---|---|---|
| $100,000 | $1,200/year | $100/month |
| $250,000 | $3,000/year | $250/month |
| $500,000 | $6,000/year | $500/month |
| $1,000,000 | $12,000/year | $1,000/month |
Frequently Asked Questions About VTHR
What is the expense ratio for VTHR?
VTHR has an expense ratio of 0.1%. This is moderately priced — on a $100K portfolio, annual fees are $100. 5bp above the us stock category average of 0.05%.
Is VTHR good for a FIRE portfolio?
Broad US market exposure at 0.1% expense ratio makes this a cornerstone holding for any FIRE portfolio. It captures the full US equity market in a single fund. Its 0.1% expense ratio is moderately priced for the US Stock category.
How does the 0.1% fee affect long-term returns?
At 0.1%, you'll pay $100/year per $100K invested. Over 30 years, fees reduce total returns by approximately 0.6%. Use the embedded calculator below to model the exact impact on your specific portfolio.
Is VTHR liquid enough for my portfolio?
VTHR manages $5B in assets — a well-established ETF with adequate liquidity for most investors. For most individual FIRE investors making regular contributions, liquidity is sufficient. If you're investing large lump sums ($100K+), use limit orders to control your execution price.
Similar ETFs in US Stock
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