VTI vs YNOT
Vanguard Morningstar Total Stock Market ETF vs Horizon Digital Frontier ETF
Quick Verdict
VTI has a lower expense ratio. YNOT delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | VTI | YNOT | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.75% | |
| AUM | $666.9B | $193M | |
| Dividend Yield | 1.07% | 0.00% | |
| Holdings | 3,543 | 105 | |
| YTD Return | +13.12% | +13.24% | |
| 1Y Return | +20.82% | +23.46% | |
| 3Y Return (annualized) | +21.43% | - | |
| 5Y Return (annualized) | +11.84% | - | |
| Volatility (annualized) | 15.3% | 24.6% | |
| Max Drawdown | -56.6% | -17.3% | |
| Fund Family | Vanguard (US) | Horizon Funds | |
| Category | Equity | Equity | |
| Inception | May 24, 2001 | Jul 9, 2025 |
VTI vs YNOT Performance
Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and Horizon Digital Frontier ETF (YNOT) is a ETF from Horizon Funds. Over the past year VTI returned +20.82% while YNOT returned +23.46%. Year to date, VTI is up 13.12% versus a gain of 13.24% for YNOT.
Risk: Volatility and Drawdowns
YNOT has been the more volatile fund, with annualized monthly volatility of 24.6% 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 -17.3% for YNOT. 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 0.93. 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 1.07% against 0.00% for YNOT.
Holdings Overlap
VTI and YNOT share 63 holdings out of 2826 unique holdings combined, representing a 31.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $72 per year of difference.
Which performed better, VTI or YNOT?
Over the past year VTI returned +20.82% vs +23.46% for YNOT, so YNOT leads on 1-year performance. Over the longest common window we track (1 years), VTI annualized +8.08% vs +24.89% for YNOT. Past performance does not guarantee future results.
Which is riskier, VTI or YNOT?
YNOT has been the more volatile fund at 24.6% annualized versus 15.3% for VTI. Worst drawdown: VTI -56.6% vs YNOT -17.3%.
Should I hold both VTI and YNOT?
VTI and YNOT have a monthly-return correlation of 0.93, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between VTI and YNOT?
VTI and YNOT share 63 common holdings with a 31.6% weight overlap. Combined, they hold 2826 unique securities.
Which pays a higher dividend, VTI or YNOT?
VTI yields 1.07% while YNOT yields 0.00%, so VTI currently pays the higher dividend yield.
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