HYUP vs VTI
HYUP vs VTI
Xtrackers High Beta High Yield 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 | HYUP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $45M | $663.5B | |
| Dividend Yield | 7.33% | 1.07% | |
| Holdings | 672 | 3,543 | |
| YTD Return | +2.00% | +13.92% | |
| 1Y Return | +5.11% | +24.07% | |
| 3Y Return (annualized) | +9.32% | +20.88% | |
| 5Y Return (annualized) | +4.32% | +12.47% | |
| Volatility (annualized) | 9.4% | 15.3% | |
| Max Drawdown | -26.5% | -56.6% | |
| Fund Family | Xtrackers ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 11, 2018 | May 24, 2001 |
HYUP vs VTI Performance
Xtrackers High Beta High Yield Bond ETF (HYUP) is a ETF from Xtrackers ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year HYUP returned +5.11% while VTI returned +24.07%. Year to date, HYUP is up 2.00% versus a gain of 13.92% for VTI.
Over three years, HYUP compounded at +9.32% per year against +20.88% for VTI; over five years the annualized figures are +4.32% and +12.47% respectively. Across the full 9-year window we track, VTI has the edge at +8.13% annualized vs +2.36%. 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 9.4% for HYUP. 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 -26.5% for HYUP 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
HYUP charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, HYUP currently yields 7.33% against 1.07% for VTI.
Holdings Overlap
HYUP and VTI share 0 holdings out of 3302 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, HYUP or VTI?
HYUP has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, HYUP or VTI?
Over the past year HYUP returned +5.11% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), HYUP annualized +2.36% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, HYUP or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 9.4% for HYUP. Worst drawdown: HYUP -26.5% vs VTI -56.6%.
Should I hold both HYUP and VTI?
HYUP 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 HYUP and VTI?
HYUP and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3302 unique securities.
Which pays a higher dividend, HYUP or VTI?
HYUP yields 7.33% while VTI yields 1.07%, so HYUP currently pays the higher dividend yield.
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