SFYX vs VTI
SFYX vs VTI
Sofi Next 500 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 | SFYX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | $28M | $663.5B | |
| Dividend Yield | 1.39% | 1.07% | |
| Holdings | 491 | 3,543 | |
| YTD Return | +3.95% | +13.57% | |
| 1Y Return | +13.65% | +24.23% | |
| 3Y Return (annualized) | +14.58% | +20.73% | |
| 5Y Return (annualized) | +6.19% | +12.24% | |
| Volatility (annualized) | 20.9% | 15.3% | |
| Max Drawdown | -39.6% | -56.6% | |
| Fund Family | SoFi | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 10, 2019 | May 24, 2001 |
SFYX vs VTI Performance
Sofi Next 500 ETF (SFYX) is a ETF from SoFi and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SFYX returned +13.65% while VTI returned +24.23%. Year to date, SFYX is up 3.95% versus a gain of 13.57% for VTI.
Over three years, SFYX compounded at +14.58% per year against +20.73% for VTI; over five years the annualized figures are +6.19% and +12.24% respectively. Across the full 7-year window we track, SFYX has the edge at +9.49% annualized vs +8.12%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYX has been the more volatile fund, with annualized monthly volatility of 20.9% 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 -39.6% for SFYX 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SFYX charges 0.06% per year while VTI charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, SFYX currently yields 1.39% against 1.07% for VTI.
Holdings Overlap
SFYX and VTI share 355 holdings out of 2920 unique holdings combined, representing a 3.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SFYX | Weight in VTI | Difference |
|---|---|---|---|
| FTAI | 1.34% | 0.04% | 1.30% |
| 0RMV:LN | 1.23% | 0.04% | 1.19% |
| TKO | 1.21% | 0.02% | 1.19% |
| FIX | Pro | Pro | Pro |
| SOFI | Pro | Pro | Pro |
| ALAB | Pro | Pro | Pro |
| COHR | Pro | Pro | Pro |
| RDDT | Pro | Pro | Pro |
| BE | Pro | Pro | Pro |
| RKLB | Pro | Pro | Pro |
See all 10 holdings SFYX 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, SFYX or VTI?
SFYX has an expense ratio of 0.06% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, SFYX or VTI?
Over the past year SFYX returned +13.65% vs +24.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), SFYX annualized +9.49% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, SFYX or VTI?
SFYX has been the more volatile fund at 20.9% annualized versus 15.3% for VTI. Worst drawdown: SFYX -39.6% vs VTI -56.6%.
Should I hold both SFYX and VTI?
SFYX and VTI have a monthly-return correlation of 0.94, 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 SFYX and VTI?
SFYX and VTI share 355 common holdings with a 3.7% weight overlap. Combined, they hold 2920 unique securities.
Which pays a higher dividend, SFYX or VTI?
SFYX yields 1.39% while VTI yields 1.07%, so SFYX currently pays the higher dividend yield.
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