MSFY vs VTI
Kurv Yield Premium Strategy Microsoft 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 | MSFY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.03% | |
| AUM | $12M | $666.9B | |
| Dividend Yield | 23.51% | 1.07% | |
| Holdings | 11 | 3,543 | |
| YTD Return | -17.08% | +12.65% | |
| 1Y Return | -19.50% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 30.3% | 15.3% | |
| Max Drawdown | -44.7% | -56.6% | |
| Fund Family | Kurv | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Oct 27, 2023 | May 24, 2001 |
MSFY vs VTI Performance
Kurv Yield Premium Strategy Microsoft ETF (MSFY) is a ETF from Kurv and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MSFY returned -19.50% while VTI returned +21.39%. Year to date, MSFY is down 17.08% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
MSFY has been the more volatile fund, with annualized monthly volatility of 30.3% 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 -44.7% for MSFY 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
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 23.51% against 1.07% for VTI.
Holdings Overlap
MSFY and VTI share 0 holdings out of 2788 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, MSFY or VTI?
MSFY has an expense ratio of 0.99% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, MSFY or VTI?
Over the past year MSFY returned -19.50% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), MSFY annualized -8.36% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, MSFY or VTI?
MSFY has been the more volatile fund at 30.3% annualized versus 15.3% for VTI. Worst drawdown: MSFY -44.7% vs VTI -56.6%.
Should I hold both MSFY and VTI?
MSFY and VTI have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MSFY and VTI?
MSFY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, MSFY or VTI?
MSFY yields 23.51% while VTI yields 1.07%, so MSFY currently pays the higher dividend yield.
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