CVAR vs VYM
Cultivar 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 | CVAR | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.87% | 0.04% | |
| AUM | $44M | $81.6B | |
| Dividend Yield | 1.36% | 2.24% | |
| Holdings | 89 | 616 | |
| YTD Return | +12.17% | +14.84% | |
| 1Y Return | +15.32% | +20.88% | |
| 3Y Return (annualized) | +11.21% | +18.34% | |
| 5Y Return (annualized) | - | +12.04% | |
| Volatility (annualized) | 15.8% | 14.6% | |
| Max Drawdown | -19.4% | -58.8% | |
| Fund Family | Cultivar ETF | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 22, 2021 | Nov 10, 2006 |
CVAR vs VYM Performance
Cultivar ETF (CVAR) is a ETF from Cultivar ETF and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year CVAR returned +15.32% while VYM returned +20.88%. Year to date, CVAR is up 12.17% versus a gain of 14.84% for VYM.
Over three years, CVAR compounded at +11.21% per year against +18.34% for VYM. Across the full 5-year window we track, CVAR has the edge at +7.41% annualized vs +7.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CVAR has been the more volatile fund, with annualized monthly volatility of 15.8% 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 -19.4% for CVAR 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CVAR charges 0.87% per year while VYM charges 0.04%. On a $10,000 position that is $87 vs $4 annually, a gap of $83 per year that compounds over a long holding period. On income, CVAR currently yields 1.36% against 2.24% for VYM.
Holdings Overlap
CVAR and VYM share 40 holdings out of 652 unique holdings combined, representing a 6.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CVAR or VYM?
CVAR has an expense ratio of 0.87% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $83 per year of difference.
Which performed better, CVAR or VYM?
Over the past year CVAR returned +15.32% vs +20.88% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (5 years), CVAR annualized +7.41% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, CVAR or VYM?
CVAR has been the more volatile fund at 15.8% annualized versus 14.6% for VYM. Worst drawdown: CVAR -19.4% vs VYM -58.8%.
Should I hold both CVAR and VYM?
CVAR and VYM have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CVAR and VYM?
CVAR and VYM share 40 common holdings with a 6.9% weight overlap. Combined, they hold 652 unique securities.
Which pays a higher dividend, CVAR or VYM?
CVAR yields 1.36% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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