VV — Vanguard Large-Cap ETF
Vanguard · Expense Ratio: 0.04% · US Stock · roughly average for its US Stock category
Key Facts
| Ticker | VV |
| Full Name | Vanguard Large-Cap ETF |
| Provider | Vanguard |
| Expense Ratio | 0.04% |
| Category | US Stock |
| Assets Under Management | $40B |
| Inception Year | 2004 (22 years ago) |
| Number of Holdings | 540 |
| Dividend Yield | ~1.1% (low) |
| Top Holdings | AAPL, MSFT, NVDA |
What Is VV?
VV, managed by Vanguard, launched in 2004, is a major ETF with deep liquidity and tight bid-ask spreads in the US Stock category. US total stock market ETF covering thousands of US companies across all market caps. With $40B in assets under management, it benefits from deep institutional liquidity and tight bid-ask spreads.
VV in a FIRE Portfolio
Broad US market exposure at 0.04% 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 VV with an international fund like VXUS (Vanguard Total International) for geographic diversification. A common FIRE allocation is 70% VV + 30% VXUS.
Cost Analysis: How VV's 0.04% Fee Affects Your FIRE Timeline
At 0.04%, VV is in the ultra-low-cost tier. On a $100,000 investment, you pay just $40/year in fees. Over 30 years, the fee drag is approximately less than 1% of your total returns — essentially negligible for FIRE planning. This is about as close to "free" as ETFs get.
Dividend Income Potential
With a low dividend yield of approximately 1.1%, here's what VV could generate in annual income at different portfolio sizes:
| Portfolio Value | Annual Dividend Income | Monthly Income |
|---|---|---|
| $100,000 | $1,100/year | $92/month |
| $250,000 | $2,750/year | $229/month |
| $500,000 | $5,500/year | $458/month |
| $1,000,000 | $11,000/year | $917/month |
Frequently Asked Questions About VV
What is the expense ratio for VV?
VV has an expense ratio of 0.04%. This is ultra-low-cost — on a $100K portfolio, annual fees are $40. Roughly average for its us stock category.
Is VV good for a FIRE portfolio?
Broad US market exposure at 0.04% expense ratio makes this a cornerstone holding for any FIRE portfolio. It captures the full US equity market in a single fund. Its 0.04% expense ratio is ultra-low-cost for the US Stock category.
How does the 0.04% fee affect long-term returns?
At 0.04%, the fee impact is minimal — less than $50/year on a $100K portfolio. Over a 30-year FIRE timeline, the cumulative fee drag is under 1% of total returns, making VV an extremely efficient choice.
Similar ETFs in US Stock
- VTI — Vanguard Total Stock Market ETF (0.03% · Core Holding)
- VOO — Vanguard S&P 500 ETF (0.03% · Core Holding)
- IVV — iShares Core S&P 500 ETF (0.03% · Core Holding)
- SPY — SPDR S&P 500 ETF Trust (0.09% · Core Holding)
- SCHB — Schwab US Broad Market ETF (0.03% · Core Holding)
- SCHX — Schwab US Large-Cap ETF (0.03% · Core Holding)
- ITOT — iShares Core S&P Total US Stock Market ETF (0.03% · Core Holding)
- IWV — iShares Russell 3000 ETF (0.2% · Core Holding)
- SPTM — SPDR Portfolio Total Stock Market ETF (0.03% · Core Holding)
- SPLG — SPDR Portfolio S&P 500 ETF (0.02% · Core Holding)
- VTHR — Vanguard Russell 3000 ETF (0.1% · Core Holding)