AIYY vs VTI
YieldMax AI Option Income Strategy ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | AIYY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.67% | 0.03% | |
| AUM | $27M | $666.9B | |
| Dividend Yield | 135.84% | 1.07% | |
| Holdings | 10 | 3,543 | |
| YTD Return | -33.53% | +13.14% | |
| 1Y Return | -44.48% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 41.1% | 15.3% | |
| Max Drawdown | -80.3% | -56.6% | |
| Fund Family | YieldMax ETF | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Nov 27, 2023 | May 24, 2001 |
AIYY vs VTI Performance
YieldMax AI Option Income Strategy ETF (AIYY) is a ETF from YieldMax ETF and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AIYY returned -44.48% while VTI returned +22.35%. Year to date, AIYY is down 33.53% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
AIYY has been the more volatile fund, with annualized monthly volatility of 41.1% compared with 15.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -80.3% for AIYY and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AIYY charges 1.67% per year while VTI charges 0.03%. On a $10,000 position that is $167 vs $3 annually, a gap of $164 per year that compounds over a long holding period. On income, AIYY currently yields 135.84% against 1.07% for VTI.
Holdings Overlap
AIYY and VTI share 0 holdings out of 2788 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AIYY or VTI?
AIYY has an expense ratio of 1.67% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $164 per year of difference.
Which performed better, AIYY or VTI?
Over the past year AIYY returned -44.48% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), AIYY annualized -41.44% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, AIYY or VTI?
AIYY has been the more volatile fund at 41.1% annualized versus 15.3% for VTI. Worst drawdown: AIYY -80.3% vs VTI -56.6%.
Should I hold both AIYY and VTI?
AIYY and VTI have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AIYY and VTI?
AIYY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, AIYY or VTI?
AIYY yields 135.84% while VTI yields 1.07%, so AIYY currently pays the higher dividend yield.
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