NJNK vs VTI
Columbia US High Yield 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 | NJNK | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.46% | 0.03% | |
| AUM | $40M | $666.9B | |
| Dividend Yield | 6.44% | 1.07% | |
| Holdings | 462 | 3,543 | |
| YTD Return | +2.39% | +13.14% | |
| 1Y Return | +5.72% | +22.35% | |
| 3Y Return (annualized) | - | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 3.1% | 15.3% | |
| Max Drawdown | -4.5% | -56.6% | |
| Fund Family | Columbia Threadneedle Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 5, 2024 | May 24, 2001 |
NJNK vs VTI Performance
Columbia US High Yield ETF (NJNK) is a ETF from Columbia Threadneedle Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NJNK returned +5.72% while VTI returned +22.35%. Year to date, NJNK is up 2.39% 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 3.1% for NJNK. 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 -4.5% for NJNK 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
NJNK charges 0.46% per year while VTI charges 0.03%. On a $10,000 position that is $46 vs $3 annually, a gap of $43 per year that compounds over a long holding period. On income, NJNK currently yields 6.44% against 1.07% for VTI.
Holdings Overlap
NJNK and VTI share 0 holdings out of 3132 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, NJNK or VTI?
NJNK has an expense ratio of 0.46% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, NJNK or VTI?
Over the past year NJNK returned +5.72% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), NJNK annualized +5.86% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, NJNK or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.1% for NJNK. Worst drawdown: NJNK -4.5% vs VTI -56.6%.
Should I hold both NJNK and VTI?
NJNK and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NJNK and VTI?
NJNK and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3132 unique securities.
Which pays a higher dividend, NJNK or VTI?
NJNK yields 6.44% while VTI yields 1.07%, so NJNK currently pays the higher dividend yield.
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