BJAN vs VYM
Innovator US Equity Buffer ETF - January vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | BJAN | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.04% | |
| AUM | $342M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 6 | 568 | |
| YTD Return | +9.46% | +16.10% | |
| 1Y Return | +17.58% | +25.99% | |
| 3Y Return (annualized) | +16.76% | +18.29% | |
| 5Y Return (annualized) | +10.70% | +12.35% | |
| Volatility (annualized) | 11.7% | 14.6% | |
| Max Drawdown | -26.9% | -58.8% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Dec 31, 2018 | Nov 10, 2006 |
BJAN vs VYM Performance
Innovator US Equity Buffer ETF - January (BJAN) is a ETF from Innovator ETFs Trust and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year BJAN returned +17.58% while VYM returned +25.99%. Year to date, BJAN is up 9.46% versus a gain of 16.10% for VYM.
Over three years, BJAN compounded at +16.76% per year against +18.29% for VYM; over five years the annualized figures are +10.70% and +12.35% respectively. Across the full 8-year window we track, BJAN has the edge at +12.74% annualized vs +7.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 11.7% for BJAN. 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 -26.9% for BJAN and -58.8% for VYM. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BJAN charges 0.79% per year while VYM charges 0.04%. On a $10,000 position that is $79 vs $4 annually, a gap of $75 per year that compounds over a long holding period. On income, BJAN currently yields 0.00% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, BJAN or VYM?
BJAN has an expense ratio of 0.79% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $75 per year of difference.
Which performed better, BJAN or VYM?
Over the past year BJAN returned +17.58% vs +25.99% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (8 years), BJAN annualized +12.74% vs +7.08% for VYM. Past performance does not guarantee future results.
Which is riskier, BJAN or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 11.7% for BJAN. Worst drawdown: BJAN -26.9% vs VYM -58.8%.
Should I hold both BJAN and VYM?
BJAN and VYM have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, BJAN or VYM?
BJAN yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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