SIHY vs VTI
Harbor Ares Systematic High Yield ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SIHY 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 | SIHY | VTI |
|---|---|---|
| Expense Ratio | 0.48% | 0.03%Best |
| AUM | $149M | $666.9B |
| Dividend Yield | 7.10% | 1.03% |
| Holdings | 233 | 3,543 |
| YTD Return | +1.78% | +12.08%Best |
| 1Y Return | +3.64% | +16.31%Best |
| 3Y Return (annualized) | +8.48% | +20.83%Best |
| 5Y Return (annualized) | +4.58% | +11.89%Best |
| Volatility (annualized) | 7.3%Best | 15.9% |
| Max Drawdown | -13.3%Best | -25.4% |
| $10,000 over 5 years | $12,510 | $17,537Best |
| Fund Family | Harbor Funds | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Blend |
| Inception | Sep 14, 2021 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 16, 2021 to Sep 14, 2026 (5 years).
SIHY 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 5 years both funds cover.
SIHY vs VTI Performance
Harbor Ares Systematic High Yield ETF (SIHY) is an ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SIHY returned +3.64% while VTI returned +16.31%. Year to date, SIHY is up 1.78% versus a gain of 12.08% for VTI.
Over three years, SIHY compounded at +8.48% per year against +20.83% for VTI; over five years the annualized figures are +4.58% and +11.89% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 7.3% for SIHY. 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 -13.3% for SIHY and -25.4% 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SIHY charges 0.48% per year while VTI charges 0.03%. On a $10,000 position that is $48 vs $3 annually, a gap of $45 per year that compounds over a long holding period. On income, SIHY currently yields 7.10% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 166 holdings in SIHY and 3,463 in VTI, totalling 69.8% and 98.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 166 positions we hold weights for in SIHY and 3,463 in VTI, against full books of 233 and 3,543.
You are not choosing between two funds in isolation.
Whichever of SIHY 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, SIHY or VTI?
SIHY has an expense ratio of 0.48% while VTI charges 0.03%. VTI is the cheaper option, by $45 a year on a $10,000 investment.
Which performed better, SIHY or VTI?
Over the past year SIHY returned +3.64% vs +16.31% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SIHY or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 7.3% for SIHY. Worst drawdown: SIHY -13.3% vs VTI -25.4%.
Should I hold both SIHY and VTI?
SIHY and VTI have a monthly-return correlation of 0.84, 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, SIHY or VTI?
SIHY yields 7.10% while VTI yields 1.03%, so SIHY currently pays the higher dividend yield.
Is VTI better than SIHY?
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.