APLY vs VTI
YieldMax AAPL Option Income Strategy ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | APLY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.06% | 0.03% | |
| AUM | $130M | $663.5B | |
| Dividend Yield | 37.96% | 1.07% | |
| Holdings | 13 | 3,543 | |
| YTD Return | +3.89% | +14.96% | |
| 1Y Return | +16.24% | +22.39% | |
| 3Y Return (annualized) | +9.82% | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 16.6% | 15.4% | |
| Max Drawdown | -31.1% | -56.6% | |
| Fund Family | YieldMax ETF | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Apr 17, 2023 | May 24, 2001 |
APLY vs VTI Performance
YieldMax AAPL Option Income Strategy ETF (APLY) is a ETF from YieldMax ETF and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year APLY returned +16.24% while VTI returned +22.39%. Year to date, APLY is up 3.89% versus a gain of 14.96% for VTI.
Over three years, APLY compounded at +9.82% per year against +21.51% for VTI. Across the full 3-year window we track, APLY has the edge at +11.18% annualized vs +8.16%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
APLY has been the more volatile fund, with annualized monthly volatility of 16.6% compared with 15.4% 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 -31.1% for APLY 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 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
APLY charges 1.06% per year while VTI charges 0.03%. On a $10,000 position that is $106 vs $3 annually, a gap of $103 per year that compounds over a long holding period. On income, APLY currently yields 37.96% against 1.07% for VTI.
Holdings Overlap
APLY and VTI share 0 holdings out of 2785 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, APLY or VTI?
APLY has an expense ratio of 1.06% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $103 per year of difference.
Which performed better, APLY or VTI?
Over the past year APLY returned +16.24% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), APLY annualized +11.18% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, APLY or VTI?
APLY has been the more volatile fund at 16.6% annualized versus 15.4% for VTI. Worst drawdown: APLY -31.1% vs VTI -56.6%.
Should I hold both APLY and VTI?
APLY and VTI have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between APLY and VTI?
APLY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, APLY or VTI?
APLY yields 37.96% while VTI yields 1.07%, so APLY currently pays the higher dividend yield.
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