CHAT vs VYM
CHAT vs VYM
Roundhill Generative AI & Technology ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. CHAT delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | CHAT | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.04% | |
| AUM | $1.7B | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 45 | 568 | |
| YTD Return | +47.56% | +15.80% | |
| 1Y Return | +72.63% | +26.12% | |
| 3Y Return (annualized) | +46.43% | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 31.6% | 14.6% | |
| Max Drawdown | -31.3% | -58.8% | |
| Fund Family | Roundhill Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 18, 2023 | Nov 10, 2006 |
CHAT vs VYM Performance
Roundhill Generative AI & Technology ETF (CHAT) is a ETF from Roundhill Investments and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year CHAT returned +72.63% while VYM returned +26.12%. Year to date, CHAT is up 47.56% versus a gain of 15.80% for VYM.
Over three years, CHAT compounded at +46.43% per year against +18.25% for VYM. Across the full 3-year window we track, CHAT has the edge at +48.00% annualized vs +7.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CHAT has been the more volatile fund, with annualized monthly volatility of 31.6% 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 -31.3% for CHAT 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CHAT charges 0.75% per year while VYM charges 0.04%. On a $10,000 position that is $75 vs $4 annually, a gap of $71 per year that compounds over a long holding period. On income, CHAT currently yields 0.00% against 2.86% for VYM.
Holdings Overlap
CHAT and VYM share 3 holdings out of 600 unique holdings combined, representing a 4.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CHAT or VYM?
CHAT has an expense ratio of 0.75% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, CHAT or VYM?
Over the past year CHAT returned +72.63% vs +26.12% for VYM, so CHAT leads on 1-year performance. Over the longest common window we track (3 years), CHAT annualized +48.00% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, CHAT or VYM?
CHAT has been the more volatile fund at 31.6% annualized versus 14.6% for VYM. Worst drawdown: CHAT -31.3% vs VYM -58.8%.
Should I hold both CHAT and VYM?
CHAT and VYM have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CHAT and VYM?
CHAT and VYM share 3 common holdings with a 4.9% weight overlap. Combined, they hold 600 unique securities.
Which pays a higher dividend, CHAT or VYM?
CHAT yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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