VTI vs YFYA
Vanguard Morningstar Total Stock Market ETF vs Yields for You Income Strategy A 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 | YFYA | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 1.25% | |
| AUM | $666.9B | $22M | |
| Dividend Yield | 1.07% | 5.20% | |
| Holdings | 3,543 | 10 | |
| YTD Return | +13.14% | +2.58% | |
| 1Y Return | +22.35% | +4.49% | |
| 3Y Return (annualized) | +21.83% | - | |
| 5Y Return (annualized) | +12.01% | - | |
| Volatility (annualized) | 15.3% | 1.9% | |
| Max Drawdown | -56.6% | -2.3% | |
| Fund Family | Vanguard (US) | Teucrium | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Jan 31, 2025 |
VTI vs YFYA Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Yields for You Income Strategy A ETF (YFYA) is a ETF from Teucrium. Over the past year VTI returned +22.35% while YFYA returned +4.49%. Year to date, VTI is up 13.14% versus a gain of 2.58% for YFYA.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.9% for YFYA. 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 -2.3% for YFYA. 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VTI charges 0.03% per year while YFYA charges 1.25%. On a $10,000 position that is $3 vs $125 annually, a gap of $122 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 5.20% for YFYA.
Holdings Overlap
VTI and YFYA share 0 holdings out of 2795 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 YFYA?
VTI has an expense ratio of 0.03% while YFYA charges 1.25%. VTI is the cheaper option. On a $10,000 investment, that is $122 per year of difference.
Which performed better, VTI or YFYA?
Over the past year VTI returned +22.35% vs +4.49% for YFYA, so VTI leads on 1-year performance. Over the longest common window we track (2 years), VTI annualized +8.09% vs +3.65% for YFYA. Past performance does not guarantee future results.
Which is riskier, VTI or YFYA?
VTI has been the more volatile fund at 15.3% annualized versus 1.9% for YFYA. Worst drawdown: VTI -56.6% vs YFYA -2.3%.
Should I hold both VTI and YFYA?
VTI and YFYA have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and YFYA?
VTI and YFYA share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2795 unique securities.
Which pays a higher dividend, VTI or YFYA?
VTI yields 1.07% while YFYA yields 5.20%, so YFYA currently pays the higher dividend yield.
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