VTI vs XYZY
Vanguard Morningstar Total Stock Market ETF vs YieldMax XYZ Option Income Strategy 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 | VTI | XYZY | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.44% | |
| AUM | $666.9B | $45M | |
| Dividend Yield | 1.07% | 78.81% | |
| Holdings | 3,543 | 14 | |
| YTD Return | +13.14% | +12.68% | |
| 1Y Return | +22.35% | -1.65% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 41.8% | |
| Max Drawdown | -56.6% | -52.3% | |
| Fund Family | Vanguard (US) | YieldMax ETF | |
| Category | Equity | Alternative | |
| Inception | May 24, 2001 | Oct 10, 2023 |
VTI vs XYZY Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and YieldMax XYZ Option Income Strategy ETF (XYZY) is a ETF from YieldMax ETF. Over the past year VTI returned +22.35% while XYZY returned -1.65%. Year to date, VTI is up 13.14% versus a gain of 12.68% for XYZY.
Risk: Volatility and Drawdowns
XYZY has been the more volatile fund, with annualized monthly volatility of 41.8% 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 -56.6% for VTI and -52.3% for XYZY. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while XYZY charges 1.44%. On a $10,000 position that is $3 vs $144 annually, a gap of $141 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 78.81% for XYZY.
Holdings Overlap
VTI and XYZY share 0 holdings out of 2790 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, VTI or XYZY?
VTI has an expense ratio of 0.03% while XYZY charges 1.44%. VTI is the cheaper option. On a $10,000 investment, that is $141 per year of difference.
Which performed better, VTI or XYZY?
Over the past year VTI returned +22.35% vs -1.65% for XYZY, so VTI leads on 1-year performance. Over the longest common window we track (3 years), VTI annualized +8.09% vs +12.32% for XYZY. Past performance does not guarantee future results.
Which is riskier, VTI or XYZY?
XYZY has been the more volatile fund at 41.8% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs XYZY -52.3%.
Should I hold both VTI and XYZY?
VTI and XYZY have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and XYZY?
VTI and XYZY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2790 unique securities.
Which pays a higher dividend, VTI or XYZY?
VTI yields 1.07% while XYZY yields 78.81%, so XYZY currently pays the higher dividend yield.
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