SFY vs VTI
Sofi Select 500 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SFY or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. SFY led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 34.6% of the fund in its ten largest positions against 43.9%.
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 | SFY | VTI |
|---|---|---|
| Expense Ratio | 0.05% | 0.03%Best |
| AUM | $653M | $689.2B |
| Dividend Yield | 0.84% | 1.06% |
| Holdings | 609 | 3,542 |
| YTD Return | +9.47% | +10.82%Best |
| 1Y Return | +9.19% | +11.60%Best |
| 3Y Return (annualized) | +24.11%Best | +20.95% |
| 5Y Return (annualized) | +12.17%Best | +10.57% |
| Volatility (annualized) | 17.6% | 16.9%Best |
| Max Drawdown | -33.3%Best | -35.0% |
| $10,000 over 5 years | $17,758Best | $16,527 |
| Top 10 Weight | 43.9% | 34.6%Best |
| Fund Family | SoFi | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Apr 10, 2019 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Apr 11, 2019 to Nov 10, 2026 (7.6 years).
SFY 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 covers the 7.6 years both funds cover.
SFY vs VTI Performance
Sofi Select 500 ETF (SFY) is an ETF from SoFi and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SFY returned +9.19% while VTI returned +11.60%. Year to date, SFY is up 9.47% versus a gain of 10.82% for VTI.
Over three years, SFY compounded at +24.11% per year against +20.95% for VTI; over five years the annualized figures are +12.17% and +10.57% respectively. Across the full 8-year window we track, SFY has the edge at +16.00% annualized vs +14.04%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFY has been the more volatile fund, with annualized monthly volatility of 17.6% compared with 16.9% for VTI. 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 -33.3% for SFY and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SFY charges 0.05% per year while VTI charges 0.03%. On a $10,000 position that is $5 vs $3 annually, a gap of $2 per year that compounds over a long holding period. On income, SFY currently yields 0.84% against 1.06% for VTI.
Holdings Overlap
98.8% of SFY's money is in holdings VTI also owns. 88.5% of VTI's money is in holdings SFY also owns.
Most of SFY is already inside VTI. Owning both mostly buys the same companies twice.
490 positions in common, counted across the 503 positions we hold weights for in SFY and 3,464 in VTI, against full books of 609 and 3,542.
What only one of them owns
Our book lists 646 positions for VTI that do not appear in our book for SFY (8.6% of the fund), and 9 for SFY that do not appear in VTI (0.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SFY | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 15.00% | 7.13% | 7.87% |
| AAPLApple Inc | 5.20% | 6.63% | 1.43% |
| MSFTMicrosoft Corp | 5.24% | 5.19% | 0.05% |
| AMZNAmazon.Com Inc | 3.07% | 3.30% | 0.23% |
| AVGOBroadcom Inc | 3.37% | 2.28% | 1.09% |
| GOOGLAlphabet Inc | 2.06% | 2.76% | 0.70% |
| MUMicron Technology, Inc. | 3.17% | 1.64% | 1.53% |
| METAMeta Platforms Inc | 2.30% | 2.18% | 0.12% |
| GOOGAlphabet Inc. C | 1.91% | 2.18% | 0.27% |
| LLYEli Lilly & Co | 2.62% | 1.34% | 1.28% |
98.8% of SFY is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SFY or VTI?
SFY has an expense ratio of 0.05% while VTI charges 0.03%. VTI is the cheaper option, by $2 a year on a $10,000 investment.
Which performed better, SFY or VTI?
Over the past year SFY returned +9.19% vs +11.60% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (8 years), SFY annualized +16.00% vs +14.04% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SFY or VTI?
SFY has been the more volatile fund at 17.6% annualized versus 16.9% for VTI. Worst drawdown: SFY -33.3% vs VTI -35.0%.
Should I hold both SFY and VTI?
SFY and VTI have a monthly-return correlation of 0.98, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between SFY and VTI?
98.8% of SFY's money is in holdings VTI also owns. 88.5% of VTI's is in holdings SFY also owns. They hold 490 positions in common, counted across the 503 positions we hold weights for in SFY and 3,464 in VTI.
Which pays a higher dividend, SFY or VTI?
SFY yields 0.84% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than SFY?
VTI has a lower expense ratio. SFY led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 0.98. VTI is less concentrated, with 34.6% of the fund in its ten largest positions against 43.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.