NYF vs VTI
iShares New York Municipal Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | NYF | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $1.4B | $663.5B | |
| Dividend Yield | 3.08% | 1.07% | |
| Holdings | 894 | 3,543 | |
| YTD Return | +0.58% | +14.22% | |
| 1Y Return | +4.79% | +22.19% | |
| 3Y Return (annualized) | +3.07% | +21.27% | |
| 5Y Return (annualized) | +0.61% | +12.23% | |
| Volatility (annualized) | 5.7% | 15.3% | |
| Max Drawdown | -13.2% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Oct 4, 2007 | May 24, 2001 |
NYF vs VTI Performance
iShares New York Municipal Bond ETF (NYF) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year NYF returned +4.79% while VTI returned +22.19%. Year to date, NYF is up 0.58% versus a gain of 14.22% for VTI.
Over three years, NYF compounded at +3.07% per year against +21.27% for VTI; over five years the annualized figures are +0.61% and +12.23% respectively. Across the full 19-year window we track, VTI has the edge at +8.14% annualized vs +0.97%. 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 5.7% for NYF. 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 -13.2% for NYF 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 0.26. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NYF charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, NYF currently yields 3.08% against 1.07% for VTI.
Holdings Overlap
NYF and VTI share 0 holdings out of 2985 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, NYF or VTI?
NYF has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, NYF or VTI?
Over the past year NYF returned +4.79% vs +22.19% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (19 years), NYF annualized +0.97% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, NYF or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.7% for NYF. Worst drawdown: NYF -13.2% vs VTI -56.6%.
Should I hold both NYF and VTI?
NYF and VTI have a monthly-return correlation of 0.26, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NYF and VTI?
NYF and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2985 unique securities.
Which pays a higher dividend, NYF or VTI?
NYF yields 3.08% while VTI yields 1.07%, so NYF currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.