MYMH vs VTI
State Street My2028 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 | MYMH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $7M | $666.9B | |
| Dividend Yield | 2.88% | 1.07% | |
| Holdings | 67 | 3,543 | |
| YTD Return | +0.82% | +13.14% | |
| 1Y Return | +3.08% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 2.1% | 15.3% | |
| Max Drawdown | -2.7% | -56.6% | |
| Fund Family | State Street Investment Management | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Sep 23, 2024 | May 24, 2001 |
MYMH vs VTI Performance
State Street My2028 Municipal Bond ETF (MYMH) 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 MYMH returned +3.08% while VTI returned +22.35%. Year to date, MYMH is up 0.82% 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 2.1% for MYMH. 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 -2.7% for MYMH 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYMH 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, MYMH currently yields 2.88% against 1.07% for VTI.
Holdings Overlap
MYMH 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, MYMH or VTI?
MYMH 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, MYMH or VTI?
Over the past year MYMH returned +3.08% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), MYMH annualized +1.78% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, MYMH or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 2.1% for MYMH. Worst drawdown: MYMH -2.7% vs VTI -56.6%.
Should I hold both MYMH and VTI?
MYMH and VTI have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYMH and VTI?
MYMH and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2788 unique securities.
Which pays a higher dividend, MYMH or VTI?
MYMH yields 2.88% while VTI yields 1.07%, so MYMH currently pays the higher dividend yield.
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