CRDT vs VYM
Simplify Opportunistic Income 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 616 holdings.
Side-by-Side Comparison
| Metric | CRDT | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.04% | |
| AUM | $36M | $81.6B | |
| Dividend Yield | 5.95% | 2.24% | |
| Holdings | 54 | 616 | |
| YTD Return | +4.27% | +15.75% | |
| 1Y Return | +3.60% | +23.85% | |
| 3Y Return (annualized) | +4.14% | +19.14% | |
| 5Y Return (annualized) | - | +12.45% | |
| Volatility (annualized) | 5.5% | 14.6% | |
| Max Drawdown | -9.8% | -58.8% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 26, 2023 | Nov 10, 2006 |
CRDT vs VYM Performance
Simplify Opportunistic Income ETF (CRDT) is a ETF from Simplify Exchange Traded Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year CRDT returned +3.60% while VYM returned +23.85%. Year to date, CRDT is up 4.27% versus a gain of 15.75% for VYM.
Over three years, CRDT compounded at +4.14% per year against +19.14% for VYM. Across the full 3-year window we track, VYM has the edge at +7.06% annualized vs +4.48%. 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 5.5% for CRDT. 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 -9.8% for CRDT 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 0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRDT charges 0.99% per year while VYM charges 0.04%. On a $10,000 position that is $99 vs $4 annually, a gap of $95 per year that compounds over a long holding period. On income, CRDT currently yields 5.95% against 2.24% for VYM.
Holdings Overlap
CRDT and VYM share 1 holdings out of 619 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in CRDT | Weight in VYM | Difference |
|---|---|---|---|
| OWL | 3.01% | 0.02% | 2.99% |
Frequently Asked Questions
Which is cheaper, CRDT or VYM?
CRDT has an expense ratio of 0.99% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $95 per year of difference.
Which performed better, CRDT or VYM?
Over the past year CRDT returned +3.60% vs +23.85% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), CRDT annualized +4.48% vs +7.06% for VYM. Past performance does not guarantee future results.
Which is riskier, CRDT or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 5.5% for CRDT. Worst drawdown: CRDT -9.8% vs VYM -58.8%.
Should I hold both CRDT and VYM?
CRDT and VYM have a monthly-return correlation of 0.38, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRDT and VYM?
CRDT and VYM share 1 common holdings with a 0.0% weight overlap. Combined, they hold 619 unique securities.
Which pays a higher dividend, CRDT or VYM?
CRDT yields 5.95% while VYM yields 2.24%, so CRDT currently pays the higher dividend yield.
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