SFYX vs VTI
Sofi Next 500 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SFYX or VTI?
Mid Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. SFYX is less concentrated, with 10.3% of the fund in its ten largest positions against 33.5%.
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 | SFYX | VTI |
|---|---|---|
| Expense Ratio | 0.06% | 0.03%Best |
| AUM | $28M | $689.2B |
| Dividend Yield | 1.39% | 1.06% |
| Holdings | 491 | 3,524 |
| Volatility (annualized) | 20.9% | 17.1%Best |
| Max Drawdown | -39.6% | -35.0%Best |
| $10,000 over 6.9 years | $18,693 | $24,757Best |
| Top 10 Weight | 10.3%Best | 33.5% |
| Fund Family | SoFi | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Large Cap Blend |
| Inception | Apr 10, 2019 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 238 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. SFYX has data through Feb 18, 2026 and VTI through Oct 14, 2026.
Volatility and max drawdown, and the $10,000 over 6.9 years row, are measured over the window both funds cover: Apr 11, 2019 to Feb 18, 2026 (6.9 years).
Risk: Volatility and Drawdowns
SFYX has been the more volatile fund, with annualized monthly volatility of 20.9% compared with 17.1% 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 -35.0% 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 0.94. 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 1.06% for VTI.
Holdings Overlap
92.6% of SFYX's money is in holdings VTI also owns. 6.1% of VTI's money is in holdings SFYX also owns.
Most of SFYX is already inside VTI. Owning both mostly buys the same companies twice.
The two holdings books were reported 276 days apart, SFYX as of Nov 28, 2025 and VTI as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
459 positions in common, counted across the 492 positions we hold weights for in SFYX and 3,441 in VTI, against full books of 491 and 3,524.
What only one of them owns
Our book lists 736 positions for VTI that do not appear in our book for SFYX (91.6% of the fund), and 27 for SFYX that do not appear in VTI (5.5%).
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 SFYX | Weight in VTI | Difference |
|---|---|---|---|
| FTAIFtai Aviation Ltd. | 1.34% | 0.03% | 1.31% |
| 0RMV:LNTechnipfmc Plc Ordinary Shares | 1.23% | 0.04% | 1.19% |
| TKOTko Group Holdings Inc | 1.21% | 0.01% | 1.20% |
| FIXComfort Systems USA Inc. | 1.02% | 0.07% | 0.95% |
| SOFISofi Technologies Inc | 1.04% | 0.03% | 1.01% |
| ALABAstera Labs Inc | 0.94% | 0.06% | 0.88% |
| RDDTReddit Inc Series C Pc Pp | 0.96% | 0.03% | 0.93% |
| COHRCoherent, Inc | 0.90% | 0.07% | 0.83% |
| BEBloom Energy - A | 0.81% | 0.08% | 0.73% |
| RKLBRocket Lab Corp | 0.83% | 0.05% | 0.78% |
92.6% of SFYX 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, SFYX or VTI?
SFYX has an expense ratio of 0.06% while VTI charges 0.03%. VTI is the cheaper option, by $3 a year on a $10,000 investment.
Which is riskier, SFYX or VTI?
SFYX has been the more volatile fund at 20.9% annualized versus 17.1% for VTI. Worst drawdown: SFYX -39.6% vs VTI -35.0%.
Should I hold both SFYX and VTI?
SFYX and VTI have a monthly-return correlation of 0.94, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between SFYX and VTI?
92.6% of SFYX's money is in holdings VTI also owns. 6.1% of VTI's is in holdings SFYX also owns. They hold 459 positions in common, counted across the 492 positions we hold weights for in SFYX and 3,441 in VTI.
Which pays a higher dividend, SFYX or VTI?
SFYX yields 1.39% while VTI yields 1.06%, so SFYX currently pays the higher dividend yield.
Is VTI better than SFYX?
VTI has a lower expense ratio. VTI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. SFYX is less concentrated, with 10.3% of the fund in its ten largest positions against 33.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.