SECR vs VTI
SECR vs VTI
NYLI MacKay Securitized 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 | SECR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.28% | 0.03% | |
| AUM | $165M | $663.5B | |
| Dividend Yield | 6.81% | 1.07% | |
| Holdings | 452 | 3,543 | |
| YTD Return | -0.02% | +10.14% | |
| 1Y Return | +3.25% | +19.82% | |
| 3Y Return (annualized) | - | +18.94% | |
| 5Y Return (annualized) | - | +11.79% | |
| Volatility (annualized) | 4.5% | 15.4% | |
| Max Drawdown | -4.7% | -56.6% | |
| Fund Family | New York Life Investment Management LLC | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 31, 2024 | May 24, 2001 |
SECR vs VTI Performance
NYLI MacKay Securitized Income ETF (SECR) is a ETF from New York Life Investment Management LLC and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SECR returned +3.25% while VTI returned +19.82%. Year to date, SECR is down 0.02% versus a gain of 10.14% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 4.5% for SECR. 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 -4.7% for SECR 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 0.29. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SECR charges 0.28% per year while VTI charges 0.03%. On a $10,000 position that is $28 vs $3 annually, a gap of $25 per year that compounds over a long holding period. On income, SECR currently yields 6.81% against 1.07% for VTI.
Holdings Overlap
SECR and VTI share 0 holdings out of 2883 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, SECR or VTI?
SECR has an expense ratio of 0.28% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which performed better, SECR or VTI?
Over the past year SECR returned +3.25% vs +19.82% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SECR annualized +5.32% vs +7.99% for VTI. Past performance does not guarantee future results.
Which is riskier, SECR or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 4.5% for SECR. Worst drawdown: SECR -4.7% vs VTI -56.6%.
Should I hold both SECR and VTI?
SECR and VTI have a monthly-return correlation of 0.29, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SECR and VTI?
SECR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2883 unique securities.
Which pays a higher dividend, SECR or VTI?
SECR yields 6.81% while VTI yields 1.07%, so SECR currently pays the higher dividend yield.
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