DXYZ vs VTI
Destiny Tech100 Inc vs Vanguard Morningstar Total Stock Market ETF
Which is better, DXYZ or VTI?
Each has led over a different period.
VTI has a lower expense ratio. DXYZ led over the full window, VTI over 1Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | DXYZ | VTI |
|---|---|---|
| Expense Ratio | 6.28% | 0.03%Best |
| AUM | - | $690.1B |
| Dividend Yield | - | 1.03% |
| Holdings | 39 | 3,524 |
| YTD Return | -0.61% | +14.54%Best |
| 1Y Return | +10.02% | +16.83%Best |
| 3Y Return (annualized) | - | +22.56% |
| 5Y Return (annualized) | - | +12.76% |
| Volatility (annualized) | 195.7% | 12.2%Best |
| Max Drawdown | -90.3% | -19.3%Best |
| $10,000 over 2.5 years | $33,532Best | $15,196 |
| Fund Family | Destiny Advisors | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Mar 26, 2024 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Mar 26, 2024 to Oct 9, 2026 (2.5 years).
DXYZ vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 2.5 years both funds cover.
DXYZ vs VTI Performance
Destiny Tech100 Inc (DXYZ) is an ETF from Destiny Advisors and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year DXYZ returned +10.02% while VTI returned +16.83%. Year to date, DXYZ is down 0.61% versus a gain of 14.54% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DXYZ has been the more volatile fund, with annualized monthly volatility of 195.7% compared with 12.2% 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 -90.3% for DXYZ and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.36. They move together some of the time, and apart the rest.
Fees and Cost Over Time
DXYZ charges 6.28% per year while VTI charges 0.03%. On a $10,000 position that is $628 vs $3 annually, a gap of $625 per year that compounds over a long holding period.
Holdings Overlap
We hold position weights for 6 holdings in DXYZ and 3,463 in VTI, totalling 48.1% and 98.1% of the two funds. That is not enough of DXYZ to divide by, so no overlap percentage is shown here. Within what we can see, 2 positions appear in both.
The two holdings books were reported 212 days apart, DXYZ as of Dec 31, 2025 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
2 positions in common, counted across the 6 positions we hold weights for in DXYZ and 3,463 in VTI, against full books of 39 and 3,524.
You are not choosing between two funds in isolation.
Whichever of DXYZ and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, DXYZ or VTI?
DXYZ has an expense ratio of 6.28% while VTI charges 0.03%. VTI is the cheaper option, by $625 a year on a $10,000 investment.
Which performed better, DXYZ or VTI?
Over the past year DXYZ returned +10.02% vs +16.83% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DXYZ or VTI?
DXYZ has been the more volatile fund at 195.7% annualized versus 12.2% for VTI. Worst drawdown: DXYZ -90.3% vs VTI -19.3%.
Should I hold both DXYZ and VTI?
DXYZ and VTI have a monthly-return correlation of 0.36, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Is VTI better than DXYZ?
VTI has a lower expense ratio. DXYZ led over the full window, VTI over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.