SHYL vs VTI
Xtrackers Short Duration High Yield Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SHYL or VTI?
High Yield Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window.
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 | SHYL | VTI |
|---|---|---|
| Expense Ratio | 0.20% | 0.03%Best |
| AUM | $266M | $666.9B |
| Dividend Yield | 6.94% | 1.03% |
| Holdings | 831 | 3,543 |
| YTD Return | +1.74% | +12.28%Best |
| 1Y Return | +3.16% | +16.78%Best |
| 3Y Return (annualized) | +7.66% | +20.89%Best |
| 5Y Return (annualized) | +4.76% | +11.94%Best |
| Volatility (annualized) | 6.4%Best | 16.8% |
| Max Drawdown | -21.6%Best | -35.0% |
| $10,000 over 5 years | $12,618 | $17,576Best |
| Fund Family | Xtrackers ETFs | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Blend |
| Inception | Jan 9, 2018 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jan 10, 2018 to Sep 17, 2026 (8.7 years).
SHYL 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 8.7 years both funds cover.
SHYL vs VTI Performance
Xtrackers Short Duration High Yield Bond ETF (SHYL) is an ETF from Xtrackers ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SHYL returned +3.16% while VTI returned +16.78%. Year to date, SHYL is up 1.74% versus a gain of 12.28% for VTI.
Over three years, SHYL compounded at +7.66% per year against +20.89% for VTI; over five years the annualized figures are +4.76% and +11.94% respectively. Across the full 9-year window we track, VTI has the edge at +12.95% annualized vs +2.54%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 6.4% for SHYL. 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 -21.6% for SHYL 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SHYL charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, SHYL currently yields 6.94% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 716 holdings in SHYL and 3,463 in VTI, totalling 84.4% and 98.1% of the two funds. That is not enough of SHYL to divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
1 positions in common, counted across the 716 positions we hold weights for in SHYL and 3,463 in VTI, against full books of 831 and 3,543.
Top Shared Holdings
| Stock | Weight in SHYL | Weight in VTI | Difference |
|---|---|---|---|
| THCTenet Healthcare Corporation 6.13 06/15/2030 | 0.28% | 0.03% | 0.25% |
You are not choosing between two funds in isolation.
Whichever of SHYL 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, SHYL or VTI?
SHYL has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option, by $17 a year on a $10,000 investment.
Which performed better, SHYL or VTI?
Over the past year SHYL returned +3.16% vs +16.78% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), SHYL annualized +2.54% vs +12.95% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SHYL or VTI?
VTI has been the more volatile fund at 16.8% annualized versus 6.4% for SHYL. Worst drawdown: SHYL -21.6% vs VTI -35.0%.
Should I hold both SHYL and VTI?
SHYL and VTI have a monthly-return correlation of 0.81, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SHYL or VTI?
SHYL yields 6.94% while VTI yields 1.03%, so SHYL currently pays the higher dividend yield.
Is VTI better than SHYL?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.