TYA vs VTI
Simplify Intermediate Term Treasury Futures Strategy ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | TYA | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $65M | $663.5B | |
| Dividend Yield | 3.64% | 1.07% | |
| Holdings | 3 | 3,543 | |
| YTD Return | -8.64% | +13.87% | |
| 1Y Return | -7.09% | +23.31% | |
| 3Y Return (annualized) | -0.41% | +21.17% | |
| 5Y Return (annualized) | - | +12.23% | |
| Volatility (annualized) | 19.3% | 15.3% | |
| Max Drawdown | -51.1% | -56.6% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Sep 27, 2021 | May 24, 2001 |
TYA vs VTI Performance
Simplify Intermediate Term Treasury Futures Strategy ETF (TYA) is a ETF from Simplify Exchange Traded Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year TYA returned -7.09% while VTI returned +23.31%. Year to date, TYA is down 8.64% versus a gain of 13.87% for VTI.
Over three years, TYA compounded at -0.41% per year against +21.17% for VTI. Across the full 5-year window we track, VTI has the edge at +8.13% annualized vs -10.99%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TYA has been the more volatile fund, with annualized monthly volatility of 19.3% 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 -51.1% for TYA 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TYA charges 0.25% per year while VTI charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, TYA currently yields 3.64% against 1.07% for VTI.
Holdings Overlap
TYA and VTI share 0 holdings out of 2784 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, TYA or VTI?
TYA has an expense ratio of 0.25% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, TYA or VTI?
Over the past year TYA returned -7.09% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), TYA annualized -10.99% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, TYA or VTI?
TYA has been the more volatile fund at 19.3% annualized versus 15.3% for VTI. Worst drawdown: TYA -51.1% vs VTI -56.6%.
Should I hold both TYA and VTI?
TYA and VTI have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TYA and VTI?
TYA and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, TYA or VTI?
TYA yields 3.64% while VTI yields 1.07%, so TYA currently pays the higher dividend yield.
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