HYLB vs VTI
HYLB vs VTI
Xtrackers USD High Yield Corporate 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 | HYLB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.05% | 0.03% | |
| AUM | $3.5B | $663.5B | |
| Dividend Yield | 6.47% | 1.07% | |
| Holdings | 1,268 | 3,543 | |
| YTD Return | +1.85% | +14.20% | |
| 1Y Return | +5.07% | +24.16% | |
| 3Y Return (annualized) | +8.28% | +21.12% | |
| 5Y Return (annualized) | +3.99% | +12.37% | |
| Volatility (annualized) | 7.4% | 15.3% | |
| Max Drawdown | -24.7% | -56.6% | |
| Fund Family | Xtrackers ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 6, 2016 | May 24, 2001 |
HYLB vs VTI Performance
Xtrackers USD High Yield Corporate Bond ETF (HYLB) is a ETF from Xtrackers ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HYLB returned +5.07% while VTI returned +24.16%. Year to date, HYLB is up 1.85% versus a gain of 14.20% for VTI.
Over three years, HYLB compounded at +8.28% per year against +21.12% for VTI; over five years the annualized figures are +3.99% and +12.37% respectively. Across the full 10-year window we track, VTI has the edge at +8.14% annualized vs +2.18%. 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 7.4% for HYLB. 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 -24.7% for HYLB 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
HYLB charges 0.05% per year while VTI charges 0.03%. On a $10,000 position that is $5 vs $3 annually, a gap of $2 per year that compounds over a long holding period. On income, HYLB currently yields 6.47% against 1.07% for VTI.
Holdings Overlap
HYLB and VTI share 1 holdings out of 3835 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 HYLB | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.18% | 0.02% | 0.16% |
Frequently Asked Questions
Which is cheaper, HYLB or VTI?
HYLB has an expense ratio of 0.05% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, HYLB or VTI?
Over the past year HYLB returned +5.07% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (10 years), HYLB annualized +2.18% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, HYLB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.4% for HYLB. Worst drawdown: HYLB -24.7% vs VTI -56.6%.
Should I hold both HYLB and VTI?
HYLB 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 HYLB and VTI?
HYLB and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3835 unique securities.
Which pays a higher dividend, HYLB or VTI?
HYLB yields 6.47% while VTI yields 1.07%, so HYLB currently pays the higher dividend yield.
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