SFY vs VTI
Sofi Select 500 ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. SFY delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SFY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.05% | 0.03% | |
| AUM | $705M | $666.9B | |
| Dividend Yield | 0.85% | 1.07% | |
| Holdings | 506 | 3,543 | |
| YTD Return | +14.86% | +13.14% | |
| 1Y Return | +25.63% | +22.35% | |
| 3Y Return (annualized) | +26.42% | +21.83% | |
| 5Y Return (annualized) | +14.23% | +12.01% | |
| Volatility (annualized) | 17.8% | 15.3% | |
| Max Drawdown | -33.3% | -56.6% | |
| Fund Family | SoFi | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 10, 2019 | May 24, 2001 |
SFY vs VTI Performance
Sofi Select 500 ETF (SFY) is a ETF from SoFi and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SFY returned +25.63% while VTI returned +22.35%. Year to date, SFY is up 14.86% versus a gain of 13.14% for VTI.
Over three years, SFY compounded at +26.42% per year against +21.83% for VTI; over five years the annualized figures are +14.23% and +12.01% respectively. Across the full 7-year window we track, SFY has the edge at +17.28% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFY has been the more volatile fund, with annualized monthly volatility of 17.8% compared with 15.3% 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 -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 0.98. 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 0.85% against 1.07% for VTI.
Holdings Overlap
SFY and VTI share 467 holdings out of 2820 unique holdings combined, representing a 77.2% weight overlap.
High overlap means holding both may not provide much additional diversification.
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. On a $10,000 investment, that is $2 per year of difference.
Which performed better, SFY or VTI?
Over the past year SFY returned +25.63% vs +22.35% for VTI, so SFY leads on 1-year performance. Over the longest common window we track (7 years), SFY annualized +17.28% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, SFY or VTI?
SFY has been the more volatile fund at 17.8% annualized versus 15.3% for VTI. Worst drawdown: SFY -33.3% vs VTI -56.6%.
Should I hold both SFY and VTI?
SFY and VTI have a monthly-return correlation of 0.98, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between SFY and VTI?
SFY and VTI share 467 common holdings with a 77.2% weight overlap. Combined, they hold 2820 unique securities.
Which pays a higher dividend, SFY or VTI?
SFY yields 0.85% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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