MRNY vs VTI
YieldMax MRNA Option Income Strategy ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. MRNY delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | MRNY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.27% | 0.03% | |
| AUM | $120M | $666.9B | |
| Dividend Yield | 99.96% | 1.07% | |
| Holdings | 18 | 3,543 | |
| YTD Return | +280.50% | +13.14% | |
| 1Y Return | +314.78% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 100.6% | 15.3% | |
| Max Drawdown | -82.2% | -56.6% | |
| Fund Family | YieldMax ETF | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Oct 23, 2023 | May 24, 2001 |
MRNY vs VTI Performance
YieldMax MRNA Option Income Strategy ETF (MRNY) is a ETF from YieldMax ETF and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MRNY returned +314.78% while VTI returned +22.35%. Year to date, MRNY is up 280.50% versus a gain of 13.14% for VTI.
Risk: Volatility and Drawdowns
MRNY has been the more volatile fund, with annualized monthly volatility of 100.6% compared with 15.3% for VTI. 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 -82.2% for MRNY 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 0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MRNY charges 1.27% per year while VTI charges 0.03%. On a $10,000 position that is $127 vs $3 annually, a gap of $124 per year that compounds over a long holding period. On income, MRNY currently yields 99.96% against 1.07% for VTI.
Holdings Overlap
MRNY and VTI share 0 holdings out of 2790 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, MRNY or VTI?
MRNY has an expense ratio of 1.27% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $124 per year of difference.
Which performed better, MRNY or VTI?
Over the past year MRNY returned +314.78% vs +22.35% for VTI, so MRNY leads on 1-year performance. Over the longest common window we track (3 years), MRNY annualized +7.76% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, MRNY or VTI?
MRNY has been the more volatile fund at 100.6% annualized versus 15.3% for VTI. Worst drawdown: MRNY -82.2% vs VTI -56.6%.
Should I hold both MRNY and VTI?
MRNY and VTI have a monthly-return correlation of 0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MRNY and VTI?
MRNY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, MRNY or VTI?
MRNY yields 99.96% while VTI yields 1.07%, so MRNY currently pays the higher dividend yield.
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