AHYB vs VTI
AHYB vs VTI
American Century Select High Yield ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | AHYB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.03% | |
| AUM | $62M | $663.5B | |
| Dividend Yield | 5.99% | 1.07% | |
| Holdings | 609 | 3,543 | |
| YTD Return | +1.19% | +10.14% | |
| 1Y Return | +4.84% | +19.82% | |
| 3Y Return (annualized) | +7.38% | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 7.5% | 15.4% | |
| Max Drawdown | -14.8% | -56.6% | |
| Fund Family | American Century Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 16, 2021 | May 24, 2001 |
AHYB vs VTI Performance
American Century Select High Yield ETF (AHYB) is a ETF from American Century Investments and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AHYB returned +4.84% while VTI returned +19.82%. Year to date, AHYB is up 1.19% versus a gain of 10.14% for VTI.
Over three years, AHYB compounded at +7.38% per year against +18.94% for VTI. Across the full 5-year window we track, VTI has the edge at +7.99% annualized vs +3.65%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 7.5% for AHYB. 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 -14.8% for AHYB and -56.6% for VTI. 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
AHYB charges 0.45% per year while VTI charges 0.03%. On a $10,000 position that is $45 vs $3 annually, a gap of $42 per year that compounds over a long holding period. On income, AHYB currently yields 5.99% against 1.07% for VTI.
Holdings Overlap
AHYB and VTI share 1 holdings out of 3226 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in AHYB | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.16% | 0.02% | 0.14% |
Frequently Asked Questions
Which is cheaper, AHYB or VTI?
AHYB has an expense ratio of 0.45% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, AHYB or VTI?
Over the past year AHYB returned +4.84% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), AHYB annualized +3.65% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, AHYB or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 7.5% for AHYB. Worst drawdown: AHYB -14.8% vs VTI -56.6%.
Should I hold both AHYB and VTI?
AHYB and VTI have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AHYB and VTI?
AHYB and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3226 unique securities.
Which pays a higher dividend, AHYB or VTI?
AHYB yields 5.99% while VTI yields 1.07%, so AHYB currently pays the higher dividend yield.
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