DYFI vs VTI
DYFI vs VTI
IDX Dynamic Fixed Income 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 | DYFI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 1.12% | 0.03% | |
| AUM | $56M | $663.5B | |
| Dividend Yield | 4.61% | 1.07% | |
| Holdings | 17 | 3,543 | |
| YTD Return | +0.11% | +13.39% | |
| 1Y Return | +2.03% | +23.21% | |
| 3Y Return (annualized) | - | +20.65% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 3.0% | 15.3% | |
| Max Drawdown | -4.5% | -56.6% | |
| Fund Family | IDX Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 10, 2024 | May 24, 2001 |
DYFI vs VTI Performance
IDX Dynamic Fixed Income ETF (DYFI) is a ETF from IDX Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year DYFI returned +2.03% while VTI returned +23.21%. Year to date, DYFI is up 0.11% versus a gain of 13.39% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.0% for DYFI. 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 -4.5% for DYFI 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DYFI charges 1.12% per year while VTI charges 0.03%. On a $10,000 position that is $112 vs $3 annually, a gap of $109 per year that compounds over a long holding period. On income, DYFI currently yields 4.61% against 1.07% for VTI.
Holdings Overlap
DYFI and VTI share 0 holdings out of 2794 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, DYFI or VTI?
DYFI has an expense ratio of 1.12% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $109 per year of difference.
Which performed better, DYFI or VTI?
Over the past year DYFI returned +2.03% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), DYFI annualized +1.09% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, DYFI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.0% for DYFI. Worst drawdown: DYFI -4.5% vs VTI -56.6%.
Should I hold both DYFI and VTI?
DYFI and VTI have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DYFI and VTI?
DYFI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2794 unique securities.
Which pays a higher dividend, DYFI or VTI?
DYFI yields 4.61% while VTI yields 1.07%, so DYFI currently pays the higher dividend yield.
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