CCSB vs VYM

Quick Verdict

VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.

Lower Fees: VYMHigher Returns: VYMMore Diversified: VYM

Side-by-Side Comparison

MetricCCSBVYMWinner
Expense Ratio0.51%0.04%
AUM$27M$79.0B
Dividend Yield4.65%2.86%
Holdings43568
YTD Return+0.43%+16.10%
1Y Return+1.50%+25.99%
3Y Return (annualized)+4.05%+18.29%
5Y Return (annualized)+0.75%+12.35%
Volatility (annualized)47.2%14.6%
Max Drawdown-63.5%-58.8%
Fund FamilyCarbon Collective FundsVanguard (US)
CategoryFixed IncomeEquity
InceptionApr 11, 2024Nov 10, 2006

CCSB vs VYM Performance

Carbon Collective Short Duration Green Bond ETF (CCSB) is a ETF from Carbon Collective Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year CCSB returned +1.50% while VYM returned +25.99%. Year to date, CCSB is up 0.43% versus a gain of 16.10% for VYM.

Over three years, CCSB compounded at +4.05% per year against +18.29% for VYM; over five years the annualized figures are +0.75% and +12.35% respectively. Across the full 19-year window we track, VYM has the edge at +7.08% annualized vs +4.50%. Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

CCSB has been the more volatile fund, with annualized monthly volatility of 47.2% 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 -63.5% for CCSB 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.

Fees and Cost Over Time

CCSB charges 0.51% per year while VYM charges 0.04%. On a $10,000 position that is $51 vs $4 annually, a gap of $47 per year that compounds over a long holding period. On income, CCSB currently yields 4.65% against 2.86% for VYM.

Holdings Overlap

0.0%overlap

CCSB and VYM share 0 holdings out of 595 unique holdings combined, representing a 0.0% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Frequently Asked Questions

Which is cheaper, CCSB or VYM?

CCSB has an expense ratio of 0.51% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $47 per year of difference.

Which performed better, CCSB or VYM?

Over the past year CCSB returned +1.50% vs +25.99% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (19 years), CCSB annualized +4.50% vs +7.08% for VYM. Past performance does not guarantee future results.

Which is riskier, CCSB or VYM?

CCSB has been the more volatile fund at 47.2% annualized versus 14.6% for VYM. Worst drawdown: CCSB -63.5% vs VYM -58.8%.

Should I hold both CCSB and VYM?

CCSB and VYM have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.

What is the holdings overlap between CCSB and VYM?

CCSB and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 595 unique securities.

Which pays a higher dividend, CCSB or VYM?

CCSB yields 4.65% while VYM yields 2.86%, so CCSB currently pays the higher dividend yield.

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