PAYR vs VTI
Federated Hermes Enhanced Income ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, PAYR or VTI?
Allocation/Balanced against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | PAYR | VTI |
|---|---|---|
| Expense Ratio | 0.40% | 0.03%Best |
| AUM | $70M | $666.9B |
| Dividend Yield | 7.11% | 1.03% |
| Holdings | 56 | 3,543 |
| YTD Return | +8.52% | +12.57%Best |
| 1Y Return | +11.98% | +17.22%Best |
| 3Y Return (annualized) | - | +20.87% |
| 5Y Return (annualized) | - | +11.86% |
| Fund Family | Federated Hermes Funds | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Blend |
| Inception | Oct 7, 2025 | May 24, 2001 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
PAYR vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
PAYR vs VTI Performance
Federated Hermes Enhanced Income ETF (PAYR) is an ETF from Federated Hermes Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year PAYR returned +11.98% while VTI returned +17.22%. Year to date, PAYR is up 8.52% versus a gain of 12.57% for VTI.
Past performance does not guarantee future results.
Fees and Cost Over Time
PAYR charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, PAYR currently yields 7.11% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 47 holdings in PAYR and 2,787 in VTI, totalling 93.5% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 33 positions appear in both.
33 positions in common, counted across the 47 positions we hold weights for in PAYR and 2,787 in VTI, against full books of 56 and 3,543.
Top Shared Holdings
| Stock | Weight in PAYR | Weight in VTI | Difference |
|---|---|---|---|
| USBUS Bancorp | 4.07% | 0.13% | 3.94% |
| PAYXPaychex, Inc. | 4.07% | 0.04% | 4.03% |
| VZVerizon Communications, Inc. | 3.36% | 0.22% | 3.14% |
| PNCPnc Financial Services Group Inc. | 2.75% | 0.14% | 2.61% |
| PLDPrologis Inc | 2.66% | 0.17% | 2.49% |
| PEPPepsico Inc. | 2.55% | 0.25% | 2.30% |
| KIMKimco Realty Corp. | 2.71% | 0.02% | 2.69% |
| PFEPfizer, Inc. | 2.53% | 0.19% | 2.34% |
| FEFirstenergy Corp. | 2.65% | 0.04% | 2.61% |
| RFRegions Financial Corp. | 2.55% | 0.04% | 2.51% |
You are not choosing between two funds in isolation.
Whichever of PAYR and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PAYR or VTI?
PAYR has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option, by $37 a year on a $10,000 investment.
Which performed better, PAYR or VTI?
Over the past year PAYR returned +11.98% vs +17.22% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which pays a higher dividend, PAYR or VTI?
PAYR yields 7.11% while VTI yields 1.03%, so PAYR currently pays the higher dividend yield.
Is VTI better than PAYR?
VTI has a lower expense ratio. VTI led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.