VTI vs YNOT
Vanguard Morningstar Total Stock Market ETF vs Horizon Digital Frontier ETF
Which is better, VTI or YNOT?
Each has led over a different period.
VTI has a lower expense ratio. VTI led over 1Y, YNOT over the full window. The two have moved almost in lockstep, correlation 0.92. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 39.2%.
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 | YNOT |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.75% |
| AUM | $666.9B | $192M |
| Dividend Yield | 1.03% | 0.00% |
| Holdings | 3,543 | 105 |
| YTD Return | +12.08% | +12.51%Best |
| 1Y Return | +16.31%Best | +14.34% |
| 3Y Return (annualized) | +20.83% | - |
| 5Y Return (annualized) | +11.89% | - |
| Volatility (annualized) | 12.3%Best | 23.9% |
| Max Drawdown | -8.9%Best | -17.3% |
| $10,000 over 1.2 years | $12,337 | $12,811Best |
| Top 10 Weight | 33.3%Best | 39.2% |
| Fund Family | Vanguard (US) | Horizon Funds |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | May 24, 2001 | Jul 9, 2025 |
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Jul 10, 2025 to Sep 14, 2026 (1.2 years).
VTI vs YNOT 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 1.2 years both funds cover.
VTI vs YNOT Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US) and Horizon Digital Frontier ETF (YNOT) is an ETF from Horizon Funds. Over the past year VTI returned +16.31% while YNOT returned +14.34%. Year to date, VTI is up 12.08% versus a gain of 12.51% for YNOT.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
YNOT has been the more volatile fund, with annualized monthly volatility of 23.9% compared with 12.3% 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 -8.9% for VTI and -17.3% for YNOT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
VTI charges 0.03% per year while YNOT charges 0.75%. On a $10,000 position that is $3 vs $75 annually, a gap of $72 per year that compounds over a long holding period. On income, VTI currently yields 1.03% against 0.00% for YNOT.
Holdings Overlap
29.4% of VTI's money is in holdings YNOT also owns. 71.2% of YNOT's money is in holdings VTI also owns.
Most of YNOT is already inside VTI. Owning both mostly buys the same companies twice.
71 positions in common, counted across the 3,463 positions we hold weights for in VTI and 106 in YNOT, against full books of 3,543 and 105.
What only one of them owns
Our book lists 18 positions for YNOT that do not appear in our book for VTI (20.2% of the fund), and 1,080 for VTI that do not appear in YNOT (68.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in VTI | Weight in YNOT | Difference |
|---|---|---|---|
| NVDANvidia Corp | 6.40% | 6.53% | 0.13% |
| AMZNAmazon.Com Inc | 3.65% | 2.73% | 0.92% |
| GOOGAlphabet Inc | 2.31% | 3.64% | 1.33% |
| TSLATesla Inc | 1.22% | 4.03% | 2.81% |
| AMDAdvanced Micro Devices Inc | 1.08% | 3.42% | 2.34% |
| AVGOBroadcom Inc | 2.56% | 1.82% | 0.74% |
| SNDKSandisk Corp/De | 0.25% | 2.71% | 2.46% |
| MUMicron Technology, Inc. | 1.29% | 1.08% | 0.21% |
| CATCaterpillar, Inc. | 0.52% | 1.70% | 1.18% |
| AMATApplied Materials, Inc. | 0.56% | 1.64% | 1.08% |
71.2% of YNOT is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, VTI or YNOT?
VTI has an expense ratio of 0.03% while YNOT charges 0.75%. VTI is the cheaper option, by $72 a year on a $10,000 investment.
Which performed better, VTI or YNOT?
Over the past year VTI returned +16.31% vs +14.34% for YNOT, so VTI leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +19.13% vs +22.93% for YNOT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, VTI or YNOT?
YNOT has been the more volatile fund at 23.9% annualized versus 12.3% for VTI. Worst drawdown: VTI -8.9% vs YNOT -17.3%.
Should I hold both VTI and YNOT?
VTI and YNOT have a monthly-return correlation of 0.92, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between VTI and YNOT?
71.2% of YNOT's money is in holdings VTI also owns. 71.2% of YNOT's is in holdings VTI also owns. They hold 71 positions in common, counted across the 3,463 positions we hold weights for in VTI and 106 in YNOT.
Which pays a higher dividend, VTI or YNOT?
VTI yields 1.03% while YNOT yields 0.00%, so VTI currently pays the higher dividend yield.
Is YNOT better than VTI?
VTI has a lower expense ratio. VTI led over 1Y, YNOT over the full window. The two have moved almost in lockstep, correlation 0.92. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 39.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.