FIVY vs VTI
YieldMax Dorsey Wright Hybrid 5 Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, FIVY or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
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 | FIVY | VTI |
|---|---|---|
| Expense Ratio | 0.70% | 0.03%Best |
| AUM | $5M | $666.9B |
| Dividend Yield | 46.67% | 1.03% |
| Holdings | 12 | 3,543 |
| Volatility (annualized) | 24.9% | 13.5%Best |
| Max Drawdown | -32.8% | -19.3%Best |
| $10,000 over 1.5 years | $8,199 | $12,680Best |
| Fund Family | YieldMax ETF | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Dec 16, 2024 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 88 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. FIVY has data through Jun 15, 2026 and VTI through Sep 11, 2026.
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Dec 17, 2024 to Jun 15, 2026 (1.5 years).
Risk: Volatility and Drawdowns
FIVY has been the more volatile fund, with annualized monthly volatility of 24.9% compared with 13.5% 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 -32.8% for FIVY 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
FIVY charges 0.70% per year while VTI charges 0.03%. On a $10,000 position that is $70 vs $3 annually, a gap of $67 per year that compounds over a long holding period. On income, FIVY currently yields 46.67% against 1.03% for VTI.
Holdings Overlap
At least 32.5% of FIVY's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
The two portfolios partly overlap.
The two holdings books were reported 61 days apart, FIVY as of Apr 30, 2026 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
4 positions in common, counted across the 11 positions we hold weights for in FIVY and 2,787 in VTI, against full books of 12 and 3,543.
32.5% of FIVY is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FIVY or VTI?
FIVY has an expense ratio of 0.70% while VTI charges 0.03%. VTI is the cheaper option, by $67 a year on a $10,000 investment.
Which is riskier, FIVY or VTI?
FIVY has been the more volatile fund at 24.9% annualized versus 13.5% for VTI. Worst drawdown: FIVY -32.8% vs VTI -19.3%.
Should I hold both FIVY and VTI?
FIVY and VTI have a monthly-return correlation of 0.68, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between FIVY and VTI?
At least 32.5% of FIVY's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 4 positions in common, counted across the 11 positions we hold weights for in FIVY and 2,787 in VTI.
Which pays a higher dividend, FIVY or VTI?
FIVY yields 46.67% while VTI yields 1.03%, so FIVY currently pays the higher dividend yield.
Is VTI better than FIVY?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.