CRTC vs VYM
Xtrackers US National Critical Technologies 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 | CRTC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.04% | |
| AUM | $147M | $81.6B | |
| Dividend Yield | 0.90% | 2.24% | |
| Holdings | 220 | 616 | |
| YTD Return | +10.97% | +14.66% | |
| 1Y Return | +17.89% | +22.16% | |
| 3Y Return (annualized) | - | +18.72% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 12.0% | 14.6% | |
| Max Drawdown | -19.1% | -58.8% | |
| Fund Family | Xtrackers ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 16, 2023 | Nov 10, 2006 |
CRTC vs VYM Performance
Xtrackers US National Critical Technologies ETF (CRTC) is a ETF from Xtrackers ETFs and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year CRTC returned +17.89% while VYM returned +22.16%. Year to date, CRTC is up 10.97% versus a gain of 14.66% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 12.0% for CRTC. 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 -19.1% for CRTC 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRTC charges 0.35% per year while VYM charges 0.04%. On a $10,000 position that is $35 vs $4 annually, a gap of $31 per year that compounds over a long holding period. On income, CRTC currently yields 0.90% against 2.24% for VYM.
Holdings Overlap
CRTC and VYM share 57 holdings out of 763 unique holdings combined, representing a 25.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRTC or VYM?
CRTC has an expense ratio of 0.35% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, CRTC or VYM?
Over the past year CRTC returned +17.89% vs +22.16% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), CRTC annualized +20.35% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, CRTC or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 12.0% for CRTC. Worst drawdown: CRTC -19.1% vs VYM -58.8%.
Should I hold both CRTC and VYM?
CRTC and VYM have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRTC and VYM?
CRTC and VYM share 57 common holdings with a 25.9% weight overlap. Combined, they hold 763 unique securities.
Which pays a higher dividend, CRTC or VYM?
CRTC yields 0.90% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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