VTI vs YFFI
Vanguard Morningstar Total Stock Market ETF vs Indexperts Yield Focused Fixed Income ETF
Which is better, VTI or YFFI?
Large Cap Blend against Investment Grade Bond.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | VTI | YFFI |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.50% |
| AUM | $666.9B | $22M |
| Dividend Yield | 1.07% | 5.29% |
| Holdings | 3,543 | 79 |
| YTD Return | +13.95%Best | -0.47% |
| 1Y Return | +21.44%Best | +1.57% |
| 3Y Return (annualized) | +21.10% | - |
| 5Y Return (annualized) | +11.77% | - |
| Volatility (annualized) | 12.9% | 3.8%Best |
| Max Drawdown | -19.3% | -4.3%Best |
| $10,000 over 1.7 years | $13,487Best | $10,554 |
| Fund Family | Vanguard (US) | Indexperts |
| Category | Equity | Fixed Income |
| Style | Large Cap Blend | Investment Grade Bond |
| Inception | May 24, 2001 | Dec 31, 2024 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.7 years row, are measured over the window both funds cover: Jan 2, 2025 to Sep 3, 2026 (1.7 years).
VTI vs YFFI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.7 years both funds cover.
VTI vs YFFI Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Indexperts Yield Focused Fixed Income ETF (YFFI) is an ETF from Indexperts. Over the past year VTI returned +21.44% while YFFI returned +1.57%. Year to date, VTI is up 13.95% versus a loss of 0.47% for YFFI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 12.9% compared with 3.8% 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 -19.3% for VTI and -4.3% for YFFI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.38. They move together some of the time, and apart the rest.
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 5.29% for YFFI.
Holdings Overlap
We hold position weights for 2,787 holdings in VTI and 70 in YFFI, totalling 92.3% and 92.1% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 49 days apart, VTI as of Jun 30, 2026 and YFFI as of Aug 18, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 2,787 positions we hold weights for in VTI and 70 in YFFI, against full books of 3,543 and 79.
You are not choosing between two funds in isolation.
Whichever of VTI and YFFI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $47 a year on a $10,000 investment.
Which performed better, VTI or YFFI?
Over the past year VTI returned +21.44% vs +1.57% for YFFI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +19.24% vs +3.22% for YFFI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or YFFI?
VTI has been the more volatile fund at 12.9% annualized versus 3.8% for YFFI. Worst drawdown: VTI -19.3% vs YFFI -4.3%.
Should I hold both VTI and YFFI?
VTI and YFFI have a monthly-return correlation of 0.38, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, VTI or YFFI?
VTI yields 1.07% while YFFI yields 5.29%, so YFFI currently pays the higher dividend yield.
Is YFFI better than VTI?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.