SFYF vs VTI
SoFi Social 50 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SFYF or VTI?
Large Cap Growth against Large Cap Blend.
VTI has a lower expense ratio. SFYF led over 1Y, 3Y and the full window, VTI over 5Y.
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 | SFYF | VTI |
|---|---|---|
| Expense Ratio | 0.29% | 0.03%Best |
| AUM | $42M | $666.9B |
| Dividend Yield | 0.35% | 1.03% |
| Holdings | 52 | 3,543 |
| YTD Return | +13.13%Best | +11.65% |
| 1Y Return | +21.84%Best | +17.34% |
| 3Y Return (annualized) | +31.85%Best | +20.35% |
| 5Y Return (annualized) | +10.62% | +11.72%Best |
| Volatility (annualized) | 29.4% | 16.9%Best |
| Max Drawdown | -56.1% | -35.0%Best |
| $10,000 over 5 years | $16,564 | $17,404Best |
| Fund Family | SoFi | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | May 7, 2019 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: May 8, 2019 to Sep 10, 2026 (7.3 years).
SFYF 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 7.3 years both funds cover.
SFYF vs VTI Performance
SoFi Social 50 ETF (SFYF) is an ETF from SoFi and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SFYF returned +21.84% while VTI returned +17.34%. Year to date, SFYF is up 13.13% versus a gain of 11.65% for VTI.
Over three years, SFYF compounded at +31.85% per year against +20.35% for VTI; over five years the annualized figures are +10.62% and +11.72% respectively. Across the full 7-year window we track, SFYF has the edge at +17.56% annualized vs +14.68%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYF has been the more volatile fund, with annualized monthly volatility of 29.4% 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 -56.1% for SFYF 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SFYF charges 0.29% per year while VTI charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, SFYF currently yields 0.35% against 1.03% for VTI.
Holdings Overlap
At least 85.9% of SFYF's money is in holdings VTI also owns.
Stated as a floor: for VTI, our book for it covers 90.6% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of SFYF is already inside VTI. Owning both mostly buys the same companies twice.
42 positions in common, counted across the 51 positions we hold weights for in SFYF and 2,787 in VTI, against full books of 52 and 3,543.
Top Shared Holdings
| Stock | Weight in SFYF | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 7.26% | 6.32% | 0.94% |
| AMZNAmazon.Com Inc | 8.58% | 3.17% | 5.41% |
| AAPLApple, Inc | 4.79% | 5.84% | 1.05% |
| TSLATesla Inc | 7.28% | 1.63% | 5.65% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 4.29% | 3.81% | 0.48% |
| GOOGLAlphabet A Usd 0.001 | 3.86% | 2.88% | 0.98% |
| PLTRPalantir Technologies Inc | 4.32% | 0.35% | 3.97% |
| AVGOBroadcom Inc | 2.02% | 2.46% | 0.44% |
| MUMicron Technology, Inc. | 2.62% | 1.79% | 0.83% |
| AMDAdvanced Micro Devices Inc. | 3.03% | 1.30% | 1.73% |
85.9% of SFYF 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, SFYF or VTI?
SFYF has an expense ratio of 0.29% while VTI charges 0.03%. VTI is the cheaper option, by $26 a year on a $10,000 investment.
Which performed better, SFYF or VTI?
Over the past year SFYF returned +21.84% vs +17.34% for VTI, so SFYF leads on 1-year performance. Over the longest common window we track (7 years), SFYF annualized +17.56% vs +14.68% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SFYF or VTI?
SFYF has been the more volatile fund at 29.4% annualized versus 16.9% for VTI. Worst drawdown: SFYF -56.1% vs VTI -35.0%.
Should I hold both SFYF and VTI?
SFYF and VTI have a monthly-return correlation of 0.87, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SFYF and VTI?
At least 85.9% of SFYF's money is in holdings VTI also owns. Our book for VTI is partial, so the real figure is this or higher. They hold 42 positions in common, counted across the 51 positions we hold weights for in SFYF and 2,787 in VTI.
Which pays a higher dividend, SFYF or VTI?
SFYF yields 0.35% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than SFYF?
VTI has a lower expense ratio. SFYF led over 1Y, 3Y and the full window, VTI over 5Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.