BKHY vs VTI
BNY Mellon High Yield 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 | BKHY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.22% | 0.03% | |
| AUM | $168M | $666.9B | |
| Dividend Yield | 7.55% | 1.07% | |
| Holdings | 1,670 | 3,543 | |
| YTD Return | +2.59% | +13.14% | |
| 1Y Return | +5.88% | +22.35% | |
| 3Y Return (annualized) | +8.63% | +21.83% | |
| 5Y Return (annualized) | +3.96% | +12.01% | |
| Volatility (annualized) | 7.1% | 15.3% | |
| Max Drawdown | -15.9% | -56.6% | |
| Fund Family | BNY Mellon Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 22, 2020 | May 24, 2001 |
BKHY vs VTI Performance
BNY Mellon High Yield ETF (BKHY) is a ETF from BNY Mellon Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year BKHY returned +5.88% while VTI returned +22.35%. Year to date, BKHY is up 2.59% versus a gain of 13.14% for VTI.
Over three years, BKHY compounded at +8.63% per year against +21.83% for VTI; over five years the annualized figures are +3.96% and +12.01% respectively. Across the full 6-year window we track, VTI has the edge at +8.09% annualized vs +5.54%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.1% for BKHY. 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 -15.9% for BKHY 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BKHY charges 0.22% per year while VTI charges 0.03%. On a $10,000 position that is $22 vs $3 annually, a gap of $19 per year that compounds over a long holding period. On income, BKHY currently yields 7.55% against 1.07% for VTI.
Holdings Overlap
BKHY and VTI share 1 holdings out of 3845 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BKHY | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.10% | 0.02% | 0.08% |
Frequently Asked Questions
Which is cheaper, BKHY or VTI?
BKHY has an expense ratio of 0.22% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, BKHY or VTI?
Over the past year BKHY returned +5.88% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (6 years), BKHY annualized +5.54% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, BKHY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.1% for BKHY. Worst drawdown: BKHY -15.9% vs VTI -56.6%.
Should I hold both BKHY and VTI?
BKHY and VTI have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BKHY and VTI?
BKHY and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3845 unique securities.
Which pays a higher dividend, BKHY or VTI?
BKHY yields 7.55% while VTI yields 1.07%, so BKHY currently pays the higher dividend yield.
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