SFTY vs VTI
SFTY vs VTI
Horizon Managed Risk 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 | SFTY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.77% | 0.03% | |
| AUM | $502M | $663.5B | |
| Dividend Yield | 0.17% | 1.07% | |
| Holdings | 164 | 3,543 | |
| YTD Return | +13.26% | +14.20% | |
| 1Y Return | +22.51% | +24.16% | |
| 3Y Return (annualized) | - | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 11.3% | 15.3% | |
| Max Drawdown | -8.6% | -56.6% | |
| Fund Family | Horizon Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 25, 2025 | May 24, 2001 |
SFTY vs VTI Performance
Horizon Managed Risk ETF (SFTY) is a ETF from Horizon Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SFTY returned +22.51% while VTI returned +24.16%. Year to date, SFTY is up 13.26% versus a gain of 14.20% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 11.3% for SFTY. 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 -8.6% for SFTY 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SFTY charges 0.77% per year while VTI charges 0.03%. On a $10,000 position that is $77 vs $3 annually, a gap of $74 per year that compounds over a long holding period. On income, SFTY currently yields 0.17% against 1.07% for VTI.
Holdings Overlap
SFTY and VTI share 161 holdings out of 2789 unique holdings combined, representing a 62.7% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in SFTY | Weight in VTI | Difference |
|---|---|---|---|
| AAPL | 7.02% | 5.84% | 1.18% |
| NVDA | 6.19% | 6.32% | 0.13% |
| GOOGL | 5.25% | 2.88% | 2.37% |
| MSFT | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| AMZN | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
| BRK.B | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
See all 10 holdings SFTY 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, SFTY or VTI?
SFTY has an expense ratio of 0.77% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, SFTY or VTI?
Over the past year SFTY returned +22.51% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), SFTY annualized +23.63% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, SFTY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 11.3% for SFTY. Worst drawdown: SFTY -8.6% vs VTI -56.6%.
Should I hold both SFTY and VTI?
SFTY and VTI have a monthly-return correlation of 0.99, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between SFTY and VTI?
SFTY and VTI share 161 common holdings with a 62.7% weight overlap. Combined, they hold 2789 unique securities.
Which pays a higher dividend, SFTY or VTI?
SFTY yields 0.17% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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