IQHI vs VTI
NYLI MacKay High Income 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 | IQHI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.41% | 0.03% | |
| AUM | $113M | $666.9B | |
| Dividend Yield | 8.03% | 1.07% | |
| Holdings | 350 | 3,543 | |
| YTD Return | +2.48% | +12.79% | |
| 1Y Return | +5.19% | +20.47% | |
| 3Y Return (annualized) | +7.74% | +21.53% | |
| 5Y Return (annualized) | - | +11.84% | |
| Volatility (annualized) | 4.9% | 15.3% | |
| Max Drawdown | -4.7% | -56.6% | |
| Fund Family | New York Life Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 24, 2022 | May 24, 2001 |
IQHI vs VTI Performance
NYLI MacKay High Income ETF (IQHI) is a ETF from New York Life Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IQHI returned +5.19% while VTI returned +20.47%. Year to date, IQHI is up 2.48% versus a gain of 12.79% for VTI.
Over three years, IQHI compounded at +7.74% per year against +21.53% for VTI. Across the full 4-year window we track, IQHI has the edge at +8.28% 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 4.9% for IQHI. 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 -4.7% for IQHI 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IQHI charges 0.41% per year while VTI charges 0.03%. On a $10,000 position that is $41 vs $3 annually, a gap of $38 per year that compounds over a long holding period. On income, IQHI currently yields 8.03% against 1.07% for VTI.
Holdings Overlap
IQHI and VTI share 0 holdings out of 3051 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, IQHI or VTI?
IQHI has an expense ratio of 0.41% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $38 per year of difference.
Which performed better, IQHI or VTI?
Over the past year IQHI returned +5.19% vs +20.47% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), IQHI annualized +8.28% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, IQHI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.9% for IQHI. Worst drawdown: IQHI -4.7% vs VTI -56.6%.
Should I hold both IQHI and VTI?
IQHI and VTI have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IQHI and VTI?
IQHI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3051 unique securities.
Which pays a higher dividend, IQHI or VTI?
IQHI yields 8.03% while VTI yields 1.07%, so IQHI currently pays the higher dividend yield.
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