MYCF vs VTI
State Street My2026 Corporate Bond 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 | MYCF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $48M | $666.9B | |
| Dividend Yield | 4.37% | 1.07% | |
| Holdings | 111 | 3,543 | |
| YTD Return | +2.58% | +12.65% | |
| 1Y Return | +4.34% | +21.39% | |
| 3Y Return (annualized) | - | +21.54% | |
| 5Y Return (annualized) | - | +12.11% | |
| Volatility (annualized) | 0.5% | 15.3% | |
| Max Drawdown | -0.6% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 23, 2024 | May 24, 2001 |
MYCF vs VTI Performance
State Street My2026 Corporate Bond ETF (MYCF) is a ETF from State Street Investment Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MYCF returned +4.34% while VTI returned +21.39%. Year to date, MYCF is up 2.58% versus a gain of 12.65% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 0.5% for MYCF. 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 -0.6% for MYCF 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYCF charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, MYCF currently yields 4.37% against 1.07% for VTI.
Holdings Overlap
MYCF and VTI share 0 holdings out of 2816 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, MYCF or VTI?
MYCF has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, MYCF or VTI?
Over the past year MYCF returned +4.34% vs +21.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MYCF annualized +4.63% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, MYCF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 0.5% for MYCF. Worst drawdown: MYCF -0.6% vs VTI -56.6%.
Should I hold both MYCF and VTI?
MYCF and VTI have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYCF and VTI?
MYCF and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2816 unique securities.
Which pays a higher dividend, MYCF or VTI?
MYCF yields 4.37% while VTI yields 1.07%, so MYCF currently pays the higher dividend yield.
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