UNIY vs VTI
WisdomTree Voya Yield Enhanced USD Universal Bond Fund vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. UNIY offers more diversification with 6,627 holdings.
Side-by-Side Comparison
| Metric | UNIY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $1.3B | $666.9B | |
| Dividend Yield | 4.89% | 1.07% | |
| Holdings | 6,627 | 3,543 | |
| YTD Return | -0.11% | +13.14% | |
| 1Y Return | +2.57% | +22.35% | |
| 3Y Return (annualized) | +5.01% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 5.2% | 15.3% | |
| Max Drawdown | -6.3% | -56.6% | |
| Fund Family | WisdomTree Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 7, 2023 | May 24, 2001 |
UNIY vs VTI Performance
WisdomTree Voya Yield Enhanced USD Universal Bond Fund (UNIY) is a ETF from WisdomTree Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year UNIY returned +2.57% while VTI returned +22.35%. Year to date, UNIY is down 0.11% versus a gain of 13.14% for VTI.
Over three years, UNIY compounded at +5.01% per year against +21.83% for VTI. Across the full 4-year window we track, VTI has the edge at +8.09% annualized vs +3.63%. 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 5.2% for UNIY. 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 -6.3% for UNIY 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UNIY charges 0.15% per year while VTI charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, UNIY currently yields 4.89% against 1.07% for VTI.
Holdings Overlap
UNIY and VTI share 0 holdings out of 2822 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, UNIY or VTI?
UNIY has an expense ratio of 0.15% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, UNIY or VTI?
Over the past year UNIY returned +2.57% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), UNIY annualized +3.63% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, UNIY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 5.2% for UNIY. Worst drawdown: UNIY -6.3% vs VTI -56.6%.
Should I hold both UNIY and VTI?
UNIY and VTI have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UNIY and VTI?
UNIY and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2822 unique securities.
Which pays a higher dividend, UNIY or VTI?
UNIY yields 4.89% while VTI yields 1.07%, so UNIY currently pays the higher dividend yield.
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