PAYR vs VTI
PAYR vs VTI
Federated Hermes Enhanced Income ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | PAYR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $57M | $663.5B | |
| Dividend Yield | 6.04% | 1.07% | |
| Holdings | 59 | 3,543 | |
| YTD Return | +9.45% | +14.20% | |
| 1Y Return | - | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | - | 15.3% | |
| Max Drawdown | -7.3% | -56.6% | |
| Fund Family | Federated Hermes Funds | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 7, 2025 | May 24, 2001 |
PAYR vs VTI Performance
Federated Hermes Enhanced Income ETF (PAYR) is a ETF from Federated Hermes Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Year to date, PAYR is up 9.45% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -7.3% for PAYR and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
PAYR charges 0.40% per year while VTI charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, PAYR currently yields 6.04% against 1.07% for VTI.
Holdings Overlap
PAYR and VTI share 32 holdings out of 2799 unique holdings combined, representing a 4.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in PAYR | Weight in VTI | Difference |
|---|---|---|---|
| USB | 3.64% | 0.13% | 3.51% |
| TFC | 3.47% | 0.09% | 3.38% |
| PAYX | 3.45% | 0.04% | 3.41% |
| PNC | Pro | Pro | Pro |
| ABBV | Pro | Pro | Pro |
| PLD | Pro | Pro | Pro |
| PFE | Pro | Pro | Pro |
| KIM | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
| AMT | Pro | Pro | Pro |
See all 10 holdings PAYR shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, PAYR or VTI?
PAYR has an expense ratio of 0.40% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
What is the holdings overlap between PAYR and VTI?
PAYR and VTI share 32 common holdings with a 4.6% weight overlap. Combined, they hold 2799 unique securities.
Which pays a higher dividend, PAYR or VTI?
PAYR yields 6.04% while VTI yields 1.07%, so PAYR currently pays the higher dividend yield.
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