IYRI vs VTI
NEOS Real Estate 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 | IYRI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.68% | 0.03% | |
| AUM | $314M | $666.9B | |
| Dividend Yield | 10.87% | 1.07% | |
| Holdings | 64 | 3,543 | |
| YTD Return | +2.02% | +13.14% | |
| 1Y Return | +1.94% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 8.9% | 15.3% | |
| Max Drawdown | -12.1% | -56.6% | |
| Fund Family | NEOS | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 14, 2025 | May 24, 2001 |
IYRI vs VTI Performance
NEOS Real Estate High Income ETF (IYRI) is a ETF from NEOS and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IYRI returned +1.94% while VTI returned +22.35%. Year to date, IYRI is up 2.02% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 8.9% for IYRI. 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 -12.1% for IYRI 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IYRI charges 0.68% per year while VTI charges 0.03%. On a $10,000 position that is $68 vs $3 annually, a gap of $65 per year that compounds over a long holding period. On income, IYRI currently yields 10.87% against 1.07% for VTI.
Holdings Overlap
IYRI and VTI share 45 holdings out of 2803 unique holdings combined, representing a 1.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IYRI or VTI?
IYRI has an expense ratio of 0.68% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $65 per year of difference.
Which performed better, IYRI or VTI?
Over the past year IYRI returned +1.94% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), IYRI annualized +5.58% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, IYRI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 8.9% for IYRI. Worst drawdown: IYRI -12.1% vs VTI -56.6%.
Should I hold both IYRI and VTI?
IYRI and VTI have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IYRI and VTI?
IYRI and VTI share 45 common holdings with a 1.7% weight overlap. Combined, they hold 2803 unique securities.
Which pays a higher dividend, IYRI or VTI?
IYRI yields 10.87% while VTI yields 1.07%, so IYRI currently pays the higher dividend yield.
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