MYCI vs VTI
State Street My2029 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 | MYCI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $36M | $666.9B | |
| Dividend Yield | 4.57% | 1.07% | |
| Holdings | 195 | 3,543 | |
| YTD Return | +1.19% | +13.14% | |
| 1Y Return | +3.47% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 2.3% | 15.3% | |
| Max Drawdown | -1.9% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 23, 2024 | May 24, 2001 |
MYCI vs VTI Performance
State Street My2029 Corporate Bond ETF (MYCI) 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 MYCI returned +3.47% while VTI returned +22.35%. Year to date, MYCI is up 1.19% 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 2.3% for MYCI. 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 -1.9% for MYCI 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 0.28. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYCI 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, MYCI currently yields 4.57% against 1.07% for VTI.
Holdings Overlap
MYCI and VTI share 0 holdings out of 2793 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, MYCI or VTI?
MYCI 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, MYCI or VTI?
Over the past year MYCI returned +3.47% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MYCI annualized +5.31% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, MYCI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.3% for MYCI. Worst drawdown: MYCI -1.9% vs VTI -56.6%.
Should I hold both MYCI and VTI?
MYCI and VTI have a monthly-return correlation of 0.28, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYCI and VTI?
MYCI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, MYCI or VTI?
MYCI yields 4.57% while VTI yields 1.07%, so MYCI currently pays the higher dividend yield.
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