MYMF vs VTI
State Street My2026 Municipal 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 | MYMF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $9M | $666.9B | |
| Dividend Yield | 2.45% | 1.07% | |
| Holdings | 70 | 3,543 | |
| YTD Return | +1.04% | +13.14% | |
| 1Y Return | +2.30% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 1.2% | 15.3% | |
| Max Drawdown | -2.0% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Sep 23, 2024 | May 24, 2001 |
MYMF vs VTI Performance
State Street My2026 Municipal Bond ETF (MYMF) 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 MYMF returned +2.30% while VTI returned +22.35%. Year to date, MYMF is up 1.04% 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 1.2% for MYMF. 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 -2.0% for MYMF 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYMF charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, MYMF currently yields 2.45% against 1.07% for VTI.
Holdings Overlap
MYMF and VTI share 0 holdings out of 2799 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, MYMF or VTI?
MYMF has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, MYMF or VTI?
Over the past year MYMF returned +2.30% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MYMF annualized +2.38% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, MYMF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.2% for MYMF. Worst drawdown: MYMF -2.0% vs VTI -56.6%.
Should I hold both MYMF and VTI?
MYMF and VTI have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYMF and VTI?
MYMF and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2799 unique securities.
Which pays a higher dividend, MYMF or VTI?
MYMF yields 2.45% while VTI yields 1.07%, so MYMF currently pays the higher dividend yield.
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