HYMB vs VTI
State Street SPDR Nuveen ICE High Yield Municipal 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 | HYMB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $3.4B | $666.9B | |
| Dividend Yield | 4.61% | 1.07% | |
| Holdings | 1,857 | 3,543 | |
| YTD Return | +2.09% | +13.14% | |
| 1Y Return | +7.54% | +22.35% | |
| 3Y Return (annualized) | +4.84% | +21.83% | |
| 5Y Return (annualized) | -0.02% | +12.01% | |
| Volatility (annualized) | 7.3% | 15.3% | |
| Max Drawdown | -29.8% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Apr 13, 2011 | May 24, 2001 |
HYMB vs VTI Performance
State Street SPDR Nuveen ICE High Yield Municipal Bond ETF (HYMB) is a ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HYMB returned +7.54% while VTI returned +22.35%. Year to date, HYMB is up 2.09% versus a gain of 13.14% for VTI.
Over three years, HYMB compounded at +4.84% per year against +21.83% for VTI; over five years the annualized figures are -0.02% and +12.01% respectively. Across the full 15-year window we track, VTI has the edge at +8.09% annualized vs +1.37%. 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 7.3% for HYMB. 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 -29.8% for HYMB 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
HYMB charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, HYMB currently yields 4.61% against 1.07% for VTI.
Holdings Overlap
HYMB and VTI share 0 holdings out of 2816 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, HYMB or VTI?
HYMB has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, HYMB or VTI?
Over the past year HYMB returned +7.54% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (15 years), HYMB annualized +1.37% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, HYMB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.3% for HYMB. Worst drawdown: HYMB -29.8% vs VTI -56.6%.
Should I hold both HYMB and VTI?
HYMB and VTI have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYMB and VTI?
HYMB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2816 unique securities.
Which pays a higher dividend, HYMB or VTI?
HYMB yields 4.61% while VTI yields 1.07%, so HYMB currently pays the higher dividend yield.
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