CRED vs VYM
Columbia Research Enhanced Real Estate ETF vs Vanguard High Dividend Yield ETF
Which is better, CRED or VYM?
Large Cap Growth against Large Cap Value.
VYM has a lower expense ratio. VYM led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CRED | VYM |
|---|---|---|
| Expense Ratio | 0.33% | 0.04%Best |
| AUM | $3M | $81.6B |
| Dividend Yield | 6.15% | 2.22% |
| Holdings | 67 | 613 |
| Volatility (annualized) | 18.0% | 11.6%Best |
| Max Drawdown | -17.6% | -14.5%Best |
| $10,000 over 3.2 years | $11,425 | $16,864Best |
| Fund Family | Columbia Threadneedle Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Apr 26, 2023 | Nov 10, 2006 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 59 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. CRED has data through Jul 24, 2026 and VYM through Sep 21, 2026.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Apr 26, 2023 to Jul 24, 2026 (3.2 years).
Risk: Volatility and Drawdowns
CRED has been the more volatile fund, with annualized monthly volatility of 18.0% compared with 11.6% 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 -17.6% for CRED and -14.5% for VYM. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CRED charges 0.33% per year while VYM charges 0.04%. On a $10,000 position that is $33 vs $4 annually, a gap of $29 per year that compounds over a long holding period. On income, CRED currently yields 6.15% against 2.22% for VYM.
You are not choosing between two funds in isolation.
Whichever of CRED and VYM you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CRED or VYM?
CRED has an expense ratio of 0.33% while VYM charges 0.04%. VYM is the cheaper option, by $29 a year on a $10,000 investment.
Which is riskier, CRED or VYM?
CRED has been the more volatile fund at 18.0% annualized versus 11.6% for VYM. Worst drawdown: CRED -17.6% vs VYM -14.5%.
Should I hold both CRED and VYM?
CRED and VYM have a monthly-return correlation of 0.72, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, CRED or VYM?
CRED yields 6.15% while VYM yields 2.22%, so CRED currently pays the higher dividend yield.
Is VYM better than CRED?
VYM has a lower expense ratio. VYM led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.