VTI vs YFFI
Vanguard Total Stock Market ETF vs Indexperts Yield Focused Fixed Income 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 | YFFI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.50% | |
| AUM | $663.5B | $22M | |
| Dividend Yield | 1.07% | 5.17% | |
| Holdings | 3,543 | 79 | |
| YTD Return | +14.96% | +0.13% | |
| 1Y Return | +22.39% | +2.55% | |
| 3Y Return (annualized) | +21.51% | - | |
| 5Y Return (annualized) | +12.36% | - | |
| Volatility (annualized) | 15.4% | 3.9% | |
| Max Drawdown | -56.6% | -4.3% | |
| Fund Family | Vanguard (US) | Indexperts | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Dec 31, 2024 |
VTI vs YFFI Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Indexperts Yield Focused Fixed Income ETF (YFFI) is a ETF from Indexperts. Over the past year VTI returned +22.39% while YFFI returned +2.55%. Year to date, VTI is up 14.96% versus a gain of 0.13% for YFFI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 3.9% for YFFI. 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 -4.3% for YFFI. 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 0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while YFFI charges 0.50%. On a $10,000 position that is $3 vs $50 annually, a gap of $47 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 5.17% for YFFI.
Holdings Overlap
VTI and YFFI share 0 holdings out of 2853 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 YFFI?
VTI has an expense ratio of 0.03% while YFFI charges 0.50%. VTI is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, VTI or YFFI?
Over the past year VTI returned +22.39% vs +2.55% for YFFI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +8.16% vs +3.72% for YFFI. Past performance does not guarantee future results.
Which is riskier, VTI or YFFI?
VTI has been the more volatile fund at 15.4% annualized versus 3.9% for YFFI. Worst drawdown: VTI -56.6% vs YFFI -4.3%.
Should I hold both VTI and YFFI?
VTI and YFFI have a monthly-return correlation of 0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and YFFI?
VTI and YFFI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2853 unique securities.
Which pays a higher dividend, VTI or YFFI?
VTI yields 1.07% while YFFI yields 5.17%, so YFFI currently pays the higher dividend yield.
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