SPYI vs VTI: which was the better investment?
NEOS S&P 500 High Income ETF against Vanguard Total Stock Market ETF on real daily total-return data — every dividend reinvested, from Aug 30, 2022 to Jul 13, 2026.
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Frequently asked questions
Did SPYI beat VTI?
No — measured from Aug 30, 2022 to Jul 13, 2026 with dividends reinvested, VTI came out ahead: $19,557 versus $17,095 from a $10,000 start. That gap compounds from a 18.9% annual return against 14.9%.
What would $10,000 in SPYI be worth today?
$10,000 invested in NEOS S&P 500 High Income ETF (SPYI) on Aug 30, 2022 would be worth about $17,095 as of Jul 13, 2026, a total return of 71.0% (14.9% per year). The same $10,000 in VTI would be worth $19,557.
Which was riskier — SPYI or VTI?
SPYI swung with an annualized volatility of 13.0% and a worst peak-to-trough drop of -16.5%; VTI ran at 16.4% volatility with a -19.3% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.99 for SPYI vs 1.03 for VTI.
What data is this comparison based on?
Daily adjusted closing prices covering Aug 30, 2022 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with SPYI vs VTI. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.