HYIN vs VTI
WisdomTree Private Credit & Alternative Income Fund vs Vanguard Morningstar Total Stock Market ETF
Which is better, HYIN or VTI?
Preferred Stock against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 33.9%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | HYIN | VTI |
|---|---|---|
| Expense Ratio | 4.34% | 0.03%Best |
| AUM | $45M | $689.2B |
| Dividend Yield | 14.54% | 1.06% |
| Holdings | 66 | 3,524 |
| YTD Return | -22.31% | +13.48%Best |
| 1Y Return | -23.32% | +16.55%Best |
| 3Y Return (annualized) | -3.22% | +22.11%Best |
| 5Y Return (annualized) | -4.96% | +11.95%Best |
| Volatility (annualized) | 18.3% | 15.5%Best |
| Max Drawdown | -31.1% | -25.4%Best |
| $10,000 over 5 years | $7,754 | $17,584Best |
| Top 10 Weight | 33.9% | 33.5%Best |
| Fund Family | WisdomTree Investments | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Preferred Stock | Large Cap Blend |
| Inception | May 6, 2021 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: May 6, 2021 to Oct 15, 2026 (5.4 years).
HYIN vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.4 years both funds cover.
HYIN vs VTI Performance
WisdomTree Private Credit & Alternative Income Fund (HYIN) is an ETF from WisdomTree Investments and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year HYIN returned -23.32% while VTI returned +16.55%. Year to date, HYIN is down 22.31% versus a gain of 13.48% for VTI.
Over three years, HYIN compounded at -3.22% per year against +22.11% for VTI; over five years the annualized figures are -4.96% and +11.95% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
HYIN has been the more volatile fund, with annualized monthly volatility of 18.3% compared with 15.5% 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 -31.1% for HYIN and -25.4% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HYIN charges 4.34% per year while VTI charges 0.03%. On a $10,000 position that is $434 vs $3 annually, a gap of $431 per year that compounds over a long holding period. On income, HYIN currently yields 14.54% against 1.06% for VTI.
Holdings Overlap
42.6% of HYIN's money is in holdings VTI also owns. 0.1% of VTI's money is in holdings HYIN also owns.
The two portfolios partly overlap.
14 positions in common, counted across the 32 positions we hold weights for in HYIN and 3,441 in VTI, against full books of 66 and 3,524.
What only one of them owns
Our book lists 1,152 positions for VTI that do not appear in our book for HYIN (97.6% of the fund), and 17 for HYIN that do not appear in VTI (53.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in HYIN | Weight in VTI | Difference |
|---|---|---|---|
| ARIApollo Commercial Real Estate Finance Inc | 3.30% | 0.00% | 3.30% |
| ARRArmour Residential Reit Inc | 3.15% | 0.00% | 3.15% |
| EFCEllington Financial Inc | 3.14% | 0.00% | 3.14% |
| RITMRithm Capital | 3.13% | 0.01% | 3.12% |
| BRSPBrightspire Capital Inc | 3.12% | 0.00% | 3.12% |
| DXDynex Capital, Inc. | 3.12% | 0.00% | 3.12% |
| LADRLadder Capital Corp. | 3.12% | 0.00% | 3.12% |
| MFAMfa Financial Inc | 3.10% | 0.00% | 3.10% |
| AGNCAgnc Investment Corp. | 3.02% | 0.02% | 3.00% |
| NLYAnnaly Capital Management Inc | 2.97% | 0.02% | 2.95% |
42.6% of HYIN is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, HYIN or VTI?
HYIN has an expense ratio of 4.34% while VTI charges 0.03%. VTI is the cheaper option, by $431 a year on a $10,000 investment.
Which performed better, HYIN or VTI?
Over the past year HYIN returned -23.32% vs +16.55% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, HYIN or VTI?
HYIN has been the more volatile fund at 18.3% annualized versus 15.5% for VTI. Worst drawdown: HYIN -31.1% vs VTI -25.4%.
Should I hold both HYIN and VTI?
HYIN and VTI have a monthly-return correlation of 0.76, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between HYIN and VTI?
42.6% of HYIN's money is in holdings VTI also owns. 0.1% of VTI's is in holdings HYIN also owns. They hold 14 positions in common, counted across the 32 positions we hold weights for in HYIN and 3,441 in VTI.
Which pays a higher dividend, HYIN or VTI?
HYIN yields 14.54% while VTI yields 1.06%, so HYIN currently pays the higher dividend yield.
Is VTI better than HYIN?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 33.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.