IAUI vs VTI
IAUI vs VTI
NEOS Gold High 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 | IAUI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.78% | 0.03% | |
| AUM | $489M | $663.5B | |
| Dividend Yield | 13.77% | 1.07% | |
| Holdings | 7 | 3,543 | |
| YTD Return | -9.81% | +13.39% | |
| 1Y Return | +6.49% | +23.21% | |
| 3Y Return (annualized) | - | +20.65% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 20.4% | 15.3% | |
| Max Drawdown | -25.6% | -56.6% | |
| Fund Family | NEOS | Vanguard (US) | |
| Category | Commodity | Equity | |
| Inception | Jun 5, 2025 | May 24, 2001 |
IAUI vs VTI Performance
NEOS Gold High Income ETF (IAUI) is a ETF from NEOS and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year IAUI returned +6.49% while VTI returned +23.21%. Year to date, IAUI is down 9.81% versus a gain of 13.39% for VTI.
Risk: Volatility and Drawdowns
IAUI has been the more volatile fund, with annualized monthly volatility of 20.4% compared with 15.3% for VTI. 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 -25.6% for IAUI 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 0.27. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IAUI charges 0.78% per year while VTI charges 0.03%. On a $10,000 position that is $78 vs $3 annually, a gap of $75 per year that compounds over a long holding period. On income, IAUI currently yields 13.77% against 1.07% for VTI.
Holdings Overlap
IAUI and VTI share 0 holdings out of 2784 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, IAUI or VTI?
IAUI has an expense ratio of 0.78% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $75 per year of difference.
Which performed better, IAUI or VTI?
Over the past year IAUI returned +6.49% vs +23.21% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), IAUI annualized +6.75% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, IAUI or VTI?
IAUI has been the more volatile fund at 20.4% annualized versus 15.3% for VTI. Worst drawdown: IAUI -25.6% vs VTI -56.6%.
Should I hold both IAUI and VTI?
IAUI and VTI have a monthly-return correlation of 0.27, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IAUI and VTI?
IAUI and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2784 unique securities.
Which pays a higher dividend, IAUI or VTI?
IAUI yields 13.77% while VTI yields 1.07%, so IAUI currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.