HYT vs VTI
Blackrock Corporate High Yield Fund Inc. 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 | HYT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 3.35% | 0.03% | |
| AUM | $1.8B | $666.9B | |
| Dividend Yield | 10.31% | 1.07% | |
| Holdings | 1,211 | 3,543 | |
| YTD Return | -0.03% | +13.14% | |
| 1Y Return | -2.27% | +22.35% | |
| 3Y Return (annualized) | +7.66% | +21.83% | |
| 5Y Return (annualized) | +1.54% | +12.01% | |
| Volatility (annualized) | 14.0% | 15.3% | |
| Max Drawdown | -67.6% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 30, 2003 | May 24, 2001 |
HYT vs VTI Performance
Blackrock Corporate High Yield Fund Inc. (HYT) is a ETF from BlackRock, Inc. (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HYT returned -2.27% while VTI returned +22.35%. Year to date, HYT is down 0.03% versus a gain of 13.14% for VTI.
Over three years, HYT compounded at +7.66% per year against +21.83% for VTI; over five years the annualized figures are +1.54% and +12.01% respectively. Across the full 23-year window we track, VTI has the edge at +8.09% annualized vs -0.27%. 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 14.0% for HYT. 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 -67.6% for HYT 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HYT charges 3.35% per year while VTI charges 0.03%. On a $10,000 position that is $335 vs $3 annually, a gap of $332 per year that compounds over a long holding period. On income, HYT currently yields 10.31% against 1.07% for VTI.
Holdings Overlap
HYT and VTI share 7 holdings out of 3497 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, HYT or VTI?
HYT has an expense ratio of 3.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $332 per year of difference.
Which performed better, HYT or VTI?
Over the past year HYT returned -2.27% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (23 years), HYT annualized -0.27% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, HYT or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.0% for HYT. Worst drawdown: HYT -67.6% vs VTI -56.6%.
Should I hold both HYT and VTI?
HYT and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYT and VTI?
HYT and VTI share 7 common holdings with a 0.2% weight overlap. Combined, they hold 3497 unique securities.
Which pays a higher dividend, HYT or VTI?
HYT yields 10.31% while VTI yields 1.07%, so HYT currently pays the higher dividend yield.
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