PYLD vs VTI
PYLD vs VTI
PIMCO Multisector Bond Active Exchange-Traded Fund 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 | PYLD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.64% | 0.03% | |
| AUM | $15.0B | $663.5B | |
| Dividend Yield | 6.26% | 1.07% | |
| Holdings | 1,576 | 3,543 | |
| YTD Return | +0.91% | +13.92% | |
| 1Y Return | +4.82% | +24.07% | |
| 3Y Return (annualized) | +7.99% | +20.88% | |
| 5Y Return (annualized) | - | +12.47% | |
| Volatility (annualized) | 4.8% | 15.3% | |
| Max Drawdown | -4.5% | -56.6% | |
| Fund Family | PIMCO (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 21, 2023 | May 24, 2001 |
PYLD vs VTI Performance
PIMCO Multisector Bond Active Exchange-Traded Fund (PYLD) is a ETF from PIMCO (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year PYLD returned +4.82% while VTI returned +24.07%. Year to date, PYLD is up 0.91% versus a gain of 13.92% for VTI.
Over three years, PYLD compounded at +7.99% per year against +20.88% for VTI. Across the full 3-year window we track, VTI has the edge at +8.13% annualized vs +7.66%. 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 4.8% for PYLD. 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 -4.5% for PYLD 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PYLD charges 0.64% per year while VTI charges 0.03%. On a $10,000 position that is $64 vs $3 annually, a gap of $61 per year that compounds over a long holding period. On income, PYLD currently yields 6.26% against 1.07% for VTI.
Holdings Overlap
PYLD and VTI share 0 holdings out of 3449 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, PYLD or VTI?
PYLD has an expense ratio of 0.64% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $61 per year of difference.
Which performed better, PYLD or VTI?
Over the past year PYLD returned +4.82% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), PYLD annualized +7.66% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, PYLD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 4.8% for PYLD. Worst drawdown: PYLD -4.5% vs VTI -56.6%.
Should I hold both PYLD and VTI?
PYLD and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PYLD and VTI?
PYLD and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3449 unique securities.
Which pays a higher dividend, PYLD or VTI?
PYLD yields 6.26% while VTI yields 1.07%, so PYLD currently pays the higher dividend yield.
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