HYGI vs VTI
iShares Inflation Hedged High Yield Bond 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 | HYGI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.52% | 0.03% | |
| AUM | $5M | $666.9B | |
| Dividend Yield | 4.89% | 1.07% | |
| Holdings | 51 | 3,543 | |
| YTD Return | +5.19% | +12.65% | |
| 1Y Return | +8.69% | +21.39% | |
| 3Y Return (annualized) | +7.58% | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 7.6% | 15.3% | |
| Max Drawdown | -9.7% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 22, 2022 | May 24, 2001 |
HYGI vs VTI Performance
iShares Inflation Hedged High Yield Bond ETF (HYGI) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HYGI returned +8.69% while VTI returned +21.39%. Year to date, HYGI is up 5.19% versus a gain of 12.65% for VTI.
Over three years, HYGI compounded at +7.58% per year against +21.54% for VTI. Across the full 3-year window we track, HYGI has the edge at +8.44% annualized vs +8.07%. 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 7.6% for HYGI. 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 -9.7% for HYGI 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HYGI charges 0.52% per year while VTI charges 0.03%. On a $10,000 position that is $52 vs $3 annually, a gap of $49 per year that compounds over a long holding period. On income, HYGI currently yields 4.89% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, HYGI or VTI?
HYGI has an expense ratio of 0.52% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, HYGI or VTI?
Over the past year HYGI returned +8.69% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), HYGI annualized +8.44% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, HYGI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.6% for HYGI. Worst drawdown: HYGI -9.7% vs VTI -56.6%.
Should I hold both HYGI and VTI?
HYGI and VTI have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, HYGI or VTI?
HYGI yields 4.89% while VTI yields 1.07%, so HYGI currently pays the higher dividend yield.
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