SFYF vs. VTI

Last updated Jun 24, 2026

SFYF (SoFi Social 50 ETF) and VTI (Vanguard Total Stock Market ETF) are both exchange-traded funds - SFYF is a Large Cap Growth Equities fund tracking the SoFi Social 50 Index, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Both are passively managed. Over the past 5 years, SFYF returned 9.95%/yr vs 11.90%/yr for VTI. Their correlation of 0.84 suggests significant overlap in exposure. SFYF charges 0.29%/yr vs 0.03%/yr for VTI.

Performance

SFYF vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in SoFi Social 50 ETF (SFYF) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with SFYF having a 8.48% return and VTI slightly higher at 8.82%.

SFYF

• 1D: -2.42%
• 1M: -2.98%
• YTD: 8.48%
• 6M: 6.33%
• 1Y: 34.24%
• 3Y*: 32.23%
• 5Y*: 9.95%
• 10Y*: —

VTI

• 1D: -1.39%
• 1M: -0.84%
• YTD: 8.82%
• 6M: 7.71%
• 1Y: 24.22%
• 3Y*: 20.62%
• 5Y*: 11.90%
• 10Y*: 15.14%

*Multi-year figures are annualized to reflect compound growth (CAGR)

SFYF vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
SFYF SoFi Social 50 ETF	8.48%	30.00%	44.62%	56.80%	-47.73%	35.83%	33.65%	5.50%
VTI Vanguard Total Stock Market ETF	8.82%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	12.41%

Correlation

The correlation between SFYF and VTI is 0.87, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.87
Correlation (3Y) Calculated over the trailing 3-year period	0.86
Correlation (5Y) Calculated over the trailing 5-year period	0.86
Correlation (All Time) Calculated using the full available price history since May 8, 2019	0.84

The correlation between SFYF and VTI has been stable across timeframes, ranging from 0.84 to 0.87 - a consistent structural relationship.

SFYF vs. VTI - Sectors Allocation Comparison

Sectors	SFYF	VTI
Technology	34.9%	37.0%
Consumer Cyclical	24.6%	9.7%
Communication Services	16.7%	9.8%
Financial Services	7.5%	11.3%
Healthcare	6.8%	9.0%
Consumer Defensive	6.0%	4.3%
Industrials	1.2%	9.4%
Real Estate	1.1%	2.3%
Energy	0.7%	3.3%
Basic Materials	-	1.9%
Utilities	-	2.1%

Return for Risk

SFYF vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SFYF

SFYF Risk / Return Rank: 50
SFYF Sharpe Ratio Rank: 55
SFYF Sortino Ratio Rank: 49
SFYF Omega Ratio Rank: 50
SFYF Calmar Ratio Rank: 48
SFYF Martin Ratio Rank: 46

VTI

VTI Risk / Return Rank: 59
VTI Sharpe Ratio Rank: 58
VTI Sortino Ratio Rank: 56
VTI Omega Ratio Rank: 57
VTI Calmar Ratio Rank: 57
VTI Martin Ratio Rank: 68

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SFYF vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SoFi Social 50 ETF (SFYF) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	SFYF	VTI	Difference
Sharpe ratio: Return per unit of total volatility	1.75	1.90	-0.15
Sortino ratio: Return per unit of downside risk	2.29	2.59	-0.30
Omega ratio: Gain probability vs. loss probability	1.30	1.34	-0.04
Calmar ratio: Return relative to maximum drawdown	2.27	2.73	-0.46
Martin ratio: Return relative to average drawdown	7.28	12.14	-4.86

SFYF vs. VTI - Sharpe Ratio Comparison

The current SFYF Sharpe Ratio is 1.75, which is comparable to the VTI Sharpe Ratio of 1.90. The chart below compares the historical Sharpe Ratios of SFYF and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

SFYF vs. VTI - Drawdown Comparison

The maximum SFYF drawdown since its inception was -56.09%, roughly equal to the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for SFYF and VTI.

Drawdown Indicators

	SFYF	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-56.09%	-55.45%	-0.64%
Max Drawdown (1Y) Largest decline over 1 year	-15.18%	-8.92%	-6.26%
Max Drawdown (3Y) Largest decline over 3 years	-26.45%	-19.30%	-7.15%
Max Drawdown (5Y) Largest decline over 5 years	-56.09%	-25.36%	-30.73%
Max Drawdown (10Y) Largest decline over 10 years	—	-35.00%	—
Current Drawdown Current decline from peak	-7.13%	-2.85%	-4.28%
Average Drawdown Average peak-to-trough decline	-16.49%	-8.01%	-8.48%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.72%	2.00%	+2.72%

Volatility

SFYF vs. VTI - Volatility Comparison

SoFi Social 50 ETF (SFYF) has a higher volatility of 8.20% compared to Vanguard Total Stock Market ETF (VTI) at 4.95%. This indicates that SFYF's price experiences larger fluctuations and is considered to be riskier than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SFYF	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	8.20%	4.95%	+3.25%
Volatility (6M) Calculated over the trailing 6-month period	14.97%	10.05%	+4.92%
Volatility (1Y) Calculated over the trailing 1-year period	19.70%	12.83%	+6.87%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.37%	17.51%	+11.86%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.69%	18.32%	+12.37%

SFYF vs. VTI - Expense Ratio Comparison

SFYF has a 0.29% expense ratio, which is higher than VTI's 0.03% expense ratio.

Dividends

SFYF vs. VTI - Dividend Comparison

SFYF's dividend yield for the trailing twelve months is around 0.30%, less than VTI's 1.04% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SFYF SoFi Social 50 ETF	0.30%	0.33%	0.31%	1.71%	1.19%	0.26%	0.40%	0.73%	0.00%	0.00%	0.00%	0.00%
VTI Vanguard Total Stock Market ETF	1.04%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both SFYF and VTI in my portfolio?

SFYF and VTI have a correlation of 0.87, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, SFYF or VTI?

SFYF has higher volatility (8.20%) compared to VTI (4.95%). In terms of maximum drawdown, SFYF dropped -56.09% vs VTI's -55.45%.

Which ETF is better, SFYF or VTI?

On 5-year performance, VTI leads with 11.90% vs 9.95% for SFYF. On fees, VTI is cheaper at 0.03% per year. On volatility, VTI has been the lower-risk option at 4.95%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, SFYF or VTI?

Over the 5-year period, VTI has performed better with a 11.90% return vs 9.95%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, SFYF or VTI?

VTI is cheaper with a 0.03% expense ratio, compared with 0.29% for SFYF.

Which ETF pays a higher dividend yield, SFYF or VTI?

VTI has the higher dividend yield at 1.04%, compared with 0.30% for SFYF.

What is the main difference between SFYF and VTI?

SFYF is categorized as Large Cap Growth Equities, while VTI is Large Cap Blend Equities. SFYF tracks SoFi Social 50 Index, while VTI tracks CRSP US Total Market Index. They also come from different issuers: Toroso Investments and Vanguard. Their fees differ too: 0.29% for SFYF and 0.03% for VTI.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (1.90 vs 1.75), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.