MSFY vs VTI
Kurv Yield Premium Strategy Microsoft ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, MSFY or VTI?
Multi Alternative against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | MSFY | VTI |
|---|---|---|
| Expense Ratio | 0.99% | 0.03%Best |
| AUM | $12M | $690.1B |
| Dividend Yield | 21.85% | 1.03% |
| Holdings | 11 | 3,524 |
| YTD Return | -11.33% | +13.35%Best |
| 1Y Return | -16.20% | +15.92%Best |
| 3Y Return (annualized) | -5.90% | +23.41%Best |
| 5Y Return (annualized) | - | +12.83% |
| Volatility (annualized) | 29.7% | 12.6%Best |
| Max Drawdown | -44.7% | -19.3%Best |
| $10,000 over 2.9 years | $8,383 | $18,902Best |
| Fund Family | Kurv | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Blend |
| Inception | Oct 27, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Oct 31, 2023 to Oct 2, 2026 (2.9 years).
MSFY vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 2.9 years both funds cover.
MSFY vs VTI Performance
Kurv Yield Premium Strategy Microsoft ETF (MSFY) is an ETF from Kurv and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year MSFY returned -16.20% while VTI returned +15.92%. Year to date, MSFY is down 11.33% versus a gain of 13.35% for VTI.
Over three years, MSFY compounded at -5.90% per year against +23.41% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MSFY has been the more volatile fund, with annualized monthly volatility of 29.7% compared with 12.6% 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 -44.7% for MSFY and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.32. They move together some of the time, and apart the rest.
Fees and Cost Over Time
MSFY charges 0.99% per year while VTI charges 0.03%. On a $10,000 position that is $99 vs $3 annually, a gap of $96 per year that compounds over a long holding period. On income, MSFY currently yields 21.85% against 1.03% for VTI.
Holdings Overlap
At least 4.8% of VTI's money is in holdings MSFY also owns.
Stated as a floor: for MSFY, our book for it covers 33.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
VTI and MSFY share little of their money.
The two holdings books were reported 46 days apart, MSFY as of Sep 15, 2026 and VTI as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 1 positions we hold weights for in MSFY and 3,463 in VTI, against full books of 11 and 3,524.
Top Shared Holdings
| Stock | Weight in MSFY | Weight in VTI | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp | 33.60% | 4.79% | 28.81% |
You are not choosing between two funds in isolation.
Whichever of MSFY and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, MSFY or VTI?
MSFY has an expense ratio of 0.99% while VTI charges 0.03%. VTI is the cheaper option, by $96 a year on a $10,000 investment.
Which performed better, MSFY or VTI?
Over the past year MSFY returned -16.20% vs +15.92% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MSFY or VTI?
MSFY has been the more volatile fund at 29.7% annualized versus 12.6% for VTI. Worst drawdown: MSFY -44.7% vs VTI -19.3%.
Should I hold both MSFY and VTI?
MSFY and VTI have a monthly-return correlation of 0.32, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between MSFY and VTI?
At least 4.8% of VTI's money is in holdings MSFY also owns. Our book for MSFY is partial, so the real figure is this or higher. They hold 1 positions in common, counted across the 1 positions we hold weights for in MSFY and 3,463 in VTI.
Which pays a higher dividend, MSFY or VTI?
MSFY yields 21.85% while VTI yields 1.03%, so MSFY currently pays the higher dividend yield.
Is VTI better than MSFY?
VTI has a lower expense ratio. VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.