SIHY vs VTI
Harbor Ares Systematic High Yield ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SIHY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.48% | 0.03% | |
| AUM | $150M | $666.9B | |
| Dividend Yield | 7.16% | 1.07% | |
| Holdings | 233 | 3,543 | |
| YTD Return | +2.65% | +13.14% | |
| 1Y Return | +6.18% | +22.35% | |
| 3Y Return (annualized) | +9.34% | +21.83% | |
| 5Y Return (annualized) | +4.83% | +12.01% | |
| Volatility (annualized) | 7.3% | 15.3% | |
| Max Drawdown | -13.3% | -56.6% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 14, 2021 | May 24, 2001 |
SIHY vs VTI Performance
Harbor Ares Systematic High Yield ETF (SIHY) is a ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SIHY returned +6.18% while VTI returned +22.35%. Year to date, SIHY is up 2.65% versus a gain of 13.14% for VTI.
Over three years, SIHY compounded at +9.34% per year against +21.83% for VTI; over five years the annualized figures are +4.83% and +12.01% respectively. Across the full 5-year window we track, VTI has the edge at +8.09% annualized vs +4.83%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -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 0.84. 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 7.16% against 1.07% for VTI.
Holdings Overlap
SIHY and VTI share 0 holdings out of 2968 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $45 per year of difference.
Which performed better, SIHY or VTI?
Over the past year SIHY returned +6.18% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), SIHY annualized +4.83% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, SIHY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.3% for SIHY. Worst drawdown: SIHY -13.3% vs VTI -56.6%.
Should I hold both SIHY and VTI?
SIHY and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SIHY and VTI?
SIHY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2968 unique securities.
Which pays a higher dividend, SIHY or VTI?
SIHY yields 7.16% while VTI yields 1.07%, so SIHY currently pays the higher dividend yield.
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