Compare · 3 funds side by side · dividends reinvested

NRAM, VTI and SPY

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,099SPY · best of the three

02 / 04

NRAM, VTI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.10%+8.4%+9.9%+21.9%+10.3%−8.9%13.7%$689B1.5

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$805B1.5

Yorkville America Next Generation Memory Index ETFThematic · AI & semis0.60%0.00%[…][…][…][…][…][…]$1M3.0

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: NRAM 2026 · VTI 2001 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Yorkville America Next Generation Memory Index ETF · $1M[…]

NRAM

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,332

$10,000 five years ago, dividends reinvested · they hold 2.5% in common

NRAMMeasureVTI

[…]Year to dateJan 1 → Nov 5+8.4%

[…]1 yearTotal return+9.9%

[…]3 years · per year$10,000 became […] · $18,113+21.9%

[…]5 years · per year$10,000 became […] · $16,332+10.3%

0.60%Expense ratio$60 · $3 a year on $10k · lower is better0.03%

0.00%Trailing 12-mo yield$0 · $110 a year on $10k1.10%

[…]Worst dropSmaller is better−8.9%

[…]VolatilityLower is calmer13.7%

NRAMVTI Winner of the row, in its colourEach row: the bigger of the two fills its side

0–2VTI wins

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

NRAM vs VTI: Top 5 Holdings

Today

NRAM

53.6%in top 5

VTI

in top 525.0%

NRAMStockVTI

16.4%MUnot top 5

15.3%SKHYVnot top 5

12.4%SNDKnot top 5

not top 5NVDA7.1%

not top 5AAPL6.6%

5.2%SMSN.ILnot top 5

not top 5MSFT5.2%

4.3%WDCnot top 5

not top 5AMZN3.3%

not top 5GOOGL2.8%

Held in common2.5%

End-of-day Nov 5, 2026 · share of each fund

NRAM vs VTI Returns, Every Period

YorkvilleNRAM

[…]

past year

VTIVanguard

+9.9%

past year

Returns […]

NRAMVTIFaded: behind in that period

0–0Level

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Thematic vs Core: NRAM vs VTI

YTD

YorkvilleNRAM

[…]

VTIVanguard

+8.4%

[…]Year to date+8.4%

[…]Worst drop · 1Y−8.9%

[…]Volatility · 1Y13.7%

0.0%Yield1.1%

$1.3MAssets$689B

1–0VTI wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: NRAM, VTI, SPY

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SPY0.09%$9

NRAM0.60%$60

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: NRAM, VTI, SPY

1.10%highest, VTI

FundTrailing yieldYield$10k

VTI1.10%$110

SPY1.03%$103

NRAM0.00%$0

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$107most kept, VTI

VTI$110 − $3 = $107

SPY$103 − $9 = $94

NRAM$0 − $60 = −$60

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: NRAM, VTI, SPY

Today

86.5%most shared, VTI and SPY

NRAMVTISPY

NRAM—2.5%1.9%

VTI2.5%—86.5%

SPY1.9%86.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+9.9%VTI, at 13.7% volatility

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

NRAMWorst drop[…][…]

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

VTISPY

+8.4%Year to date+8.3%

1.1%Yield1.0%

+9.9%Past year+9.7%

0.03%Fee0.09%

4–0VTI wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$97.0B

0–0level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026