VTI vs YEAR
VTI vs YEAR
Vanguard Total Stock Market ETF vs AB Ultra Short Income 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 | VTI | YEAR | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.25% | |
| AUM | $663.5B | $1.5B | |
| Dividend Yield | 1.07% | 4.26% | |
| Holdings | 3,543 | 169 | |
| YTD Return | +10.14% | +1.59% | |
| 1Y Return | +19.82% | +3.82% | |
| 3Y Return (annualized) | +18.94% | +4.93% | |
| 5Y Return (annualized) | +11.79% | - | |
| Volatility (annualized) | 15.4% | 0.9% | |
| Max Drawdown | -56.6% | -0.6% | |
| Fund Family | Vanguard (US) | AllianceBernstein L.P. | |
| Category | Equity | Fixed Income | |
| Inception | May 24, 2001 | Sep 13, 2022 |
VTI vs YEAR Performance
Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US) and AB Ultra Short Income ETF (YEAR) is a ETF from AllianceBernstein L.P.. Over the past year VTI returned +19.82% while YEAR returned +3.82%. Year to date, VTI is up 10.14% versus a gain of 1.59% for YEAR.
Over three years, VTI compounded at +18.94% per year against +4.93% for YEAR. Across the full 4-year window we track, VTI has the edge at +7.99% annualized vs +4.89%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 0.9% for YEAR. 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 -56.6% for VTI and -0.6% for YEAR. 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 0.18. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VTI charges 0.03% per year while YEAR charges 0.25%. On a $10,000 position that is $3 vs $25 annually, a gap of $22 per year that compounds over a long holding period. On income, VTI currently yields 1.07% against 4.26% for YEAR.
Holdings Overlap
VTI and YEAR share 0 holdings out of 2882 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, VTI or YEAR?
VTI has an expense ratio of 0.03% while YEAR charges 0.25%. VTI is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, VTI or YEAR?
Over the past year VTI returned +19.82% vs +3.82% for YEAR, so VTI leads on 1-year performance. Over the longest common window we track (4 years), VTI annualized +7.99% vs +4.89% for YEAR. Past performance does not guarantee future results.
Which is riskier, VTI or YEAR?
VTI has been the more volatile fund at 15.4% annualized versus 0.9% for YEAR. Worst drawdown: VTI -56.6% vs YEAR -0.6%.
Should I hold both VTI and YEAR?
VTI and YEAR have a monthly-return correlation of 0.18, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VTI and YEAR?
VTI and YEAR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2882 unique securities.
Which pays a higher dividend, VTI or YEAR?
VTI yields 1.07% while YEAR yields 4.26%, so YEAR currently pays the higher dividend yield.
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