BPAY vs VYM
iShares FinTech Active ETF 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 | BPAY | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.04% | |
| AUM | $9M | $79.0B | |
| Dividend Yield | 7.10% | 2.86% | |
| Holdings | 42 | 568 | |
| YTD Return | -1.32% | +15.80% | |
| 1Y Return | -12.43% | +26.12% | |
| 3Y Return (annualized) | +9.64% | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 24.3% | 14.6% | |
| Max Drawdown | -33.6% | -58.8% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 16, 2022 | Nov 10, 2006 |
BPAY vs VYM Performance
iShares FinTech Active ETF (BPAY) is a ETF from BlackRock, Inc. (US) and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year BPAY returned -12.43% while VYM returned +26.12%. Year to date, BPAY is down 1.32% versus a gain of 15.80% for VYM.
Over three years, BPAY compounded at +9.64% per year against +18.25% for VYM. Across the full 4-year window we track, VYM has the edge at +7.07% annualized vs +4.59%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BPAY has been the more volatile fund, with annualized monthly volatility of 24.3% compared with 14.6% for VYM. 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 -33.6% for BPAY 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BPAY charges 0.55% per year while VYM charges 0.04%. On a $10,000 position that is $55 vs $4 annually, a gap of $51 per year that compounds over a long holding period. On income, BPAY currently yields 7.10% against 2.86% for VYM.
Holdings Overlap
BPAY and VYM share 1 holdings out of 596 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BPAY | Weight in VYM | Difference |
|---|---|---|---|
| FIS | 1.69% | 0.12% | 1.57% |
Frequently Asked Questions
Which is cheaper, BPAY or VYM?
BPAY has an expense ratio of 0.55% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $51 per year of difference.
Which performed better, BPAY or VYM?
Over the past year BPAY returned -12.43% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), BPAY annualized +4.59% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, BPAY or VYM?
BPAY has been the more volatile fund at 24.3% annualized versus 14.6% for VYM. Worst drawdown: BPAY -33.6% vs VYM -58.8%.
Should I hold both BPAY and VYM?
BPAY and VYM have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BPAY and VYM?
BPAY and VYM share 1 common holdings with a 0.1% weight overlap. Combined, they hold 596 unique securities.
Which pays a higher dividend, BPAY or VYM?
BPAY yields 7.10% while VYM yields 2.86%, so BPAY currently pays the higher dividend yield.
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