FIAT vs VTI
YieldMax Short COIN 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 | FIAT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.05% | 0.03% | |
| AUM | $33M | $666.9B | |
| Dividend Yield | 100.90% | 1.07% | |
| Holdings | 19 | 3,543 | |
| YTD Return | -1.41% | +13.14% | |
| 1Y Return | +12.28% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 57.1% | 15.3% | |
| Max Drawdown | -70.5% | -56.6% | |
| Fund Family | YieldMax ETF | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jul 9, 2024 | May 24, 2001 |
FIAT vs VTI Performance
YieldMax Short COIN Option Income Strategy ETF (FIAT) is a ETF from YieldMax ETF and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year FIAT returned +12.28% while VTI returned +22.35%. Year to date, FIAT is down 1.41% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
FIAT has been the more volatile fund, with annualized monthly volatility of 57.1% 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 -70.5% for FIAT 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 -0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FIAT charges 1.05% per year while VTI charges 0.03%. On a $10,000 position that is $105 vs $3 annually, a gap of $102 per year that compounds over a long holding period. On income, FIAT currently yields 100.90% against 1.07% for VTI.
Holdings Overlap
FIAT and VTI share 0 holdings out of 2790 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, FIAT or VTI?
FIAT has an expense ratio of 1.05% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $102 per year of difference.
Which performed better, FIAT or VTI?
Over the past year FIAT returned +12.28% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), FIAT annualized -26.59% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, FIAT or VTI?
FIAT has been the more volatile fund at 57.1% annualized versus 15.3% for VTI. Worst drawdown: FIAT -70.5% vs VTI -56.6%.
Should I hold both FIAT and VTI?
FIAT and VTI have a monthly-return correlation of -0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FIAT and VTI?
FIAT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, FIAT or VTI?
FIAT yields 100.90% while VTI yields 1.07%, so FIAT currently pays the higher dividend yield.
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