DECT vs VYM
AllianzIM US Equity Buffer10 Dec ETF vs Vanguard High Dividend Yield ETF
Which is better, DECT or VYM?
Option Writing against Large Cap Value.
VYM has a lower expense ratio. DECT led over the full window, VYM over 1Y and 3Y.
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 | DECT | VYM |
|---|---|---|
| Expense Ratio | 0.74% | 0.04%Best |
| AUM | $127M | $81.6B |
| Dividend Yield | 0.00% | 2.22% |
| Holdings | 5 | 613 |
| YTD Return | +9.77% | +12.29%Best |
| 1Y Return | +14.69% | +16.61%Best |
| 3Y Return (annualized) | +14.23% | +17.42%Best |
| 5Y Return (annualized) | - | +12.12% |
| Volatility (annualized) | 9.0%Best | 11.3% |
| Max Drawdown | -13.3%Best | -14.5% |
| $10,000 over 3.8 years | $16,132Best | $15,836 |
| Fund Family | AllianzIM | Vanguard (US) |
| Category | Alternative | Equity |
| Style | Option Writing | Large Cap Value |
| Inception | Nov 30, 2022 | Nov 10, 2006 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Dec 1, 2022 to Sep 17, 2026 (3.8 years).
DECT vs VYM growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.8 years both funds cover.
DECT vs VYM Performance
AllianzIM US Equity Buffer10 Dec ETF (DECT) is an ETF from AllianzIM and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year DECT returned +14.69% while VYM returned +16.61%. Year to date, DECT is up 9.77% versus a gain of 12.29% for VYM.
Over three years, DECT compounded at +14.23% per year against +17.42% for VYM. Across the full 4-year window we track, DECT has the edge at +13.41% annualized vs +12.86%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 11.3% compared with 9.0% for DECT. 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 -13.3% for DECT 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DECT charges 0.74% per year while VYM charges 0.04%. On a $10,000 position that is $74 vs $4 annually, a gap of $70 per year that compounds over a long holding period. On income, DECT currently yields 0.00% against 2.22% for VYM.
You are not choosing between two funds in isolation.
Whichever of DECT 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, DECT or VYM?
DECT has an expense ratio of 0.74% while VYM charges 0.04%. VYM is the cheaper option, by $70 a year on a $10,000 investment.
Which performed better, DECT or VYM?
Over the past year DECT returned +14.69% vs +16.61% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), DECT annualized +13.41% vs +12.86% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DECT or VYM?
VYM has been the more volatile fund at 11.3% annualized versus 9.0% for DECT. Worst drawdown: DECT -13.3% vs VYM -14.5%.
Should I hold both DECT and VYM?
DECT and VYM have a monthly-return correlation of 0.74, 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, DECT or VYM?
DECT yields 0.00% while VYM yields 2.22%, so VYM currently pays the higher dividend yield.
Is VYM better than DECT?
VYM has a lower expense ratio. DECT led over the full window, VYM over 1Y and 3Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.