SHYL vs VTI
SHYL vs VTI
Xtrackers Short Duration High Yield Bond 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 | SHYL | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $271M | $663.5B | |
| Dividend Yield | 6.91% | 1.07% | |
| Holdings | 838 | 3,543 | |
| YTD Return | +1.35% | +13.92% | |
| 1Y Return | +4.14% | +24.07% | |
| 3Y Return (annualized) | +7.82% | +20.88% | |
| 5Y Return (annualized) | +4.87% | +12.47% | |
| Volatility (annualized) | 6.4% | 15.3% | |
| Max Drawdown | -21.6% | -56.6% | |
| Fund Family | Xtrackers ETFs | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 9, 2018 | May 24, 2001 |
SHYL vs VTI Performance
Xtrackers Short Duration High Yield Bond ETF (SHYL) is a ETF from Xtrackers ETFs and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SHYL returned +4.14% while VTI returned +24.07%. Year to date, SHYL is up 1.35% versus a gain of 13.92% for VTI.
Over three years, SHYL compounded at +7.82% per year against +20.88% for VTI; over five years the annualized figures are +4.87% and +12.47% respectively. Across the full 9-year window we track, VTI has the edge at +8.13% annualized vs +2.53%. 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 6.4% for SHYL. 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 -21.6% for SHYL 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SHYL charges 0.20% per year while VTI charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, SHYL currently yields 6.91% against 1.07% for VTI.
Holdings Overlap
SHYL and VTI share 1 holdings out of 3519 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SHYL | Weight in VTI | Difference |
|---|---|---|---|
| THC | 0.27% | 0.02% | 0.25% |
Frequently Asked Questions
Which is cheaper, SHYL or VTI?
SHYL has an expense ratio of 0.20% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, SHYL or VTI?
Over the past year SHYL returned +4.14% vs +24.07% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), SHYL annualized +2.53% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, SHYL or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.4% for SHYL. Worst drawdown: SHYL -21.6% vs VTI -56.6%.
Should I hold both SHYL and VTI?
SHYL and VTI have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SHYL and VTI?
SHYL and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 3519 unique securities.
Which pays a higher dividend, SHYL or VTI?
SHYL yields 6.91% while VTI yields 1.07%, so SHYL currently pays the higher dividend yield.
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