HYDB vs VTI
HYDB vs VTI
iShares High Yield Systematic Bond 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 | HYDB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $1.6B | $663.5B | |
| Dividend Yield | 6.99% | 1.07% | |
| Holdings | 265 | 3,543 | |
| YTD Return | -2.09% | +13.92% | |
| 1Y Return | +0.55% | +24.07% | |
| 3Y Return (annualized) | +7.02% | +20.88% | |
| 5Y Return (annualized) | +3.71% | +12.47% | |
| Volatility (annualized) | 7.7% | 15.3% | |
| Max Drawdown | -21.6% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 11, 2017 | May 24, 2001 |
HYDB vs VTI Performance
iShares High Yield Systematic Bond ETF (HYDB) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HYDB returned +0.55% while VTI returned +24.07%. Year to date, HYDB is down 2.09% versus a gain of 13.92% for VTI.
Over three years, HYDB compounded at +7.02% per year against +20.88% for VTI; over five years the annualized figures are +3.71% and +12.47% respectively. Across the full 9-year window we track, VTI has the edge at +8.13% annualized vs +4.94%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.7% for HYDB. 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 -21.6% for HYDB 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HYDB charges 0.35% per year while VTI charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, HYDB currently yields 6.99% against 1.07% for VTI.
Holdings Overlap
HYDB and VTI share 0 holdings out of 2986 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, HYDB or VTI?
HYDB has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, HYDB or VTI?
Over the past year HYDB returned +0.55% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), HYDB annualized +4.94% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, HYDB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.7% for HYDB. Worst drawdown: HYDB -21.6% vs VTI -56.6%.
Should I hold both HYDB and VTI?
HYDB and VTI have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYDB and VTI?
HYDB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2986 unique securities.
Which pays a higher dividend, HYDB or VTI?
HYDB yields 6.99% while VTI yields 1.07%, so HYDB currently pays the higher dividend yield.
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