Data as of Oct 28, 2026.
SDY vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, SDY returned +16.5% to VTI's +13.5%; 13% of their weight is in the same names.
askIQ about this page
askIQ about SDY and VTI
Net assets: $21.9bn on Oct 27, 2026 for State Street SPDR S&P Dividend ETF, and $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
VTI costs 0.32 points a year less; their one-year returns differ by 3.0 points; VTI is far larger, $689.2bn against $20.4bn.
| Measure | SDY | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | +16.5% | +13.5% |
| Benchmark | ||
| What it tracks | S&P High Yield Dividend Aristocrats Index | Morningstar US Total Market Index |
| Cost and size | ||
| Expense ratio | 0.35% | 0.03% |
| Net assets, as of Sep 30, 2026 | $20.4bn | $689.2bn |
| Holdings | ||
| Holdings in common | 13% | |
| Top ten holdings, share of the fund | 20.4% | 34.7% |
Holdings in common uses holdings dated Sep 30, 2026 and Oct 27, 2026. Method
Risk and return
Nov 25, 2005 to Oct 23, 2026 · 1,091 weekly returnsVTI returned more: +765.4% to +506.8%. SDY swung slightly less: 17.5% to 18.1%. SDY and VTI fell about the same at their worst: −54.4% and −54.8%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | SDY | VTI | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +506.8% | +765.4% | VTI | Price change plus distributions, reinvested. |
| Annualized | +9.0% | +10.8% | VTI | Total return as a yearly rate. |
| Price return | +188.8% | +494.1% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 17.5% | 18.1% | SDY (slight) | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.3% | 12.8% | SDY (slight) | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −54.4% | −54.8% | Tie | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.48 | 0.56 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.68 | 0.79 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.16 | 0.20 | VTI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,091 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SDY and VTI hold 13% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026 and Oct 27, 2026.
half
13% in common
Only in one fund ↓
Side by side
SDY and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SDY and VTI do different jobs. What does each one do in a portfolio?
- What each follows. SDY follows S&P High Yield Dividend Aristocrats Index and VTI follows Morningstar US Total Market Index.
- Holdings in common. 13% of the weight is in the same securities (holdings dated Oct 27, 2026 and Sep 30, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 SDY returned +16.5% and VTI +13.5% with distributions reinvested, a gap of 3.0 points.
Data as of Oct 28, 2026.
The two-page PDF for this pair is coming. Save the comparison to follow its changes. Free. It needs an email sign-in, once.
SDY
SDY tracks the S&P Dividend. Over the year to Oct 28, 2026 it returned +16.5% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 84% of the fund by weight is stocks the S&P 500 also holds, across 156 positions, with the top ten at 20.4%.
VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
Questions people ask
- Which returned more over the last year, SDY or VTI?
- In the year to Oct 28, 2026, with distributions reinvested, SDY returned +16.5% and VTI +13.5%.
- Which is cheaper, SDY or VTI?
- VTI is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
Cite this pageCitation, APA and Markdown
ETFIQ, SDY against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/sdy-vs-vti
ETFIQ. (Oct 28, 2026). SDY against VTI. Retrieved from https://etfiq.com/compare/any/sdy-vs-vti
[SDY against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/sdy-vs-vti)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.