MYN vs VTI
BlackRock MuniYield New York Quality Fund, Inc 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 | MYN | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 3.44% | 0.03% | |
| AUM | $1.0B | $666.9B | |
| Dividend Yield | 5.79% | 1.07% | |
| Holdings | 251 | 3,543 | |
| YTD Return | +1.57% | +13.14% | |
| 1Y Return | +11.17% | +22.35% | |
| 3Y Return (annualized) | +6.33% | +21.83% | |
| 5Y Return (annualized) | -2.66% | +12.01% | |
| Volatility (annualized) | 12.0% | 15.3% | |
| Max Drawdown | -57.9% | -56.6% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Feb 28, 1992 | May 24, 2001 |
MYN vs VTI Performance
BlackRock MuniYield New York Quality Fund, Inc (MYN) is a ETF from BlackRock, Inc. (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year MYN returned +11.17% while VTI returned +22.35%. Year to date, MYN is up 1.57% versus a gain of 13.14% for VTI.
Over three years, MYN compounded at +6.33% per year against +21.83% for VTI; over five years the annualized figures are -2.66% and +12.01% respectively. Across the full 25-year window we track, VTI has the edge at +8.09% annualized vs -0.38%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.0% for MYN. 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 -57.9% for MYN 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 0.27. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYN charges 3.44% per year while VTI charges 0.03%. On a $10,000 position that is $344 vs $3 annually, a gap of $341 per year that compounds over a long holding period. On income, MYN currently yields 5.79% against 1.07% for VTI.
Holdings Overlap
MYN and VTI share 0 holdings out of 2874 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, MYN or VTI?
MYN has an expense ratio of 3.44% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $341 per year of difference.
Which performed better, MYN or VTI?
Over the past year MYN returned +11.17% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (25 years), MYN annualized -0.38% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, MYN or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 12.0% for MYN. Worst drawdown: MYN -57.9% vs VTI -56.6%.
Should I hold both MYN and VTI?
MYN and VTI have a monthly-return correlation of 0.27, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYN and VTI?
MYN and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2874 unique securities.
Which pays a higher dividend, MYN or VTI?
MYN yields 5.79% while VTI yields 1.07%, so MYN currently pays the higher dividend yield.
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