DYLD vs VTI

Quick Verdict

VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.

Lower Fees: VTIHigher Returns: VTIMore Diversified: VTI

Side-by-Side Comparison

MetricDYLDVTIWinner
Expense Ratio0.75%0.03%
AUM$40M$663.5B
Dividend Yield4.28%1.07%
Holdings1803,543
YTD Return+1.04%+14.22%
1Y Return+2.79%+22.19%
3Y Return (annualized)+4.46%+21.27%
5Y Return (annualized)+0.85%+12.23%
Volatility (annualized)4.9%15.3%
Max Drawdown-15.0%-56.6%
Fund FamilyLeaderSharesVanguard (US)
CategoryFixed IncomeEquity
InceptionJun 28, 2021May 24, 2001

DYLD vs VTI Performance

LeaderShares Dynamic Yield ETF (DYLD) is a ETF from LeaderShares and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DYLD returned +2.79% while VTI returned +22.19%. Year to date, DYLD is up 1.04% versus a gain of 14.22% for VTI.

Over three years, DYLD compounded at +4.46% per year against +21.27% for VTI; over five years the annualized figures are +0.85% and +12.23% respectively. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs +1.00%. 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 4.9% for DYLD. 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 -15.0% for DYLD 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 0.74. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

DYLD charges 0.75% per year while VTI charges 0.03%. On a $10,000 position that is $75 vs $3 annually, a gap of $72 per year that compounds over a long holding period. On income, DYLD currently yields 4.28% against 1.07% for VTI.

Holdings Overlap

0.3%overlap

DYLD and VTI share 2 holdings out of 2956 unique holdings combined, representing a 0.3% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in DYLDWeight in VTIDifference
GE0.24%0.54%0.30%
THC0.27%0.02%0.25%

Frequently Asked Questions

Which is cheaper, DYLD or VTI?

DYLD has an expense ratio of 0.75% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $72 per year of difference.

Which performed better, DYLD or VTI?

Over the past year DYLD returned +2.79% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), DYLD annualized +1.00% vs +8.14% for VTI. Past performance does not guarantee future results.

Which is riskier, DYLD or VTI?

VTI has been the more volatile fund at 15.3% annualized versus 4.9% for DYLD. Worst drawdown: DYLD -15.0% vs VTI -56.6%.

Should I hold both DYLD and VTI?

DYLD and VTI have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.

What is the holdings overlap between DYLD and VTI?

DYLD and VTI share 2 common holdings with a 0.3% weight overlap. Combined, they hold 2956 unique securities.

Which pays a higher dividend, DYLD or VTI?

DYLD yields 4.28% while VTI yields 1.07%, so DYLD currently pays the higher dividend yield.

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