DECT vs VYM
DECT vs VYM
AllianzIM US Equity Buffer10 Dec 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 558 holdings.
Side-by-Side Comparison
| Metric | DECT | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.04% | |
| AUM | $124M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 5 | 568 | |
| YTD Return | +9.82% | +15.80% | |
| 1Y Return | +18.73% | +26.12% | |
| 3Y Return (annualized) | +13.80% | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 9.0% | 14.6% | |
| Max Drawdown | -13.3% | -58.8% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Nov 30, 2022 | Nov 10, 2006 |
DECT vs VYM Performance
AllianzIM US Equity Buffer10 Dec ETF (DECT) is a ETF from AllianzIM and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year DECT returned +18.73% while VYM returned +26.12%. Year to date, DECT is up 9.82% versus a gain of 15.80% for VYM.
Over three years, DECT compounded at +13.80% per year against +18.25% for VYM. Across the full 4-year window we track, DECT has the edge at +13.86% annualized vs +7.07%. 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 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 -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 0.74. 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 2.86% for VYM.
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. On a $10,000 investment, that is $70 per year of difference.
Which performed better, DECT or VYM?
Over the past year DECT returned +18.73% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), DECT annualized +13.86% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, DECT or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 9.0% for DECT. Worst drawdown: DECT -13.3% vs VYM -58.8%.
Should I hold both DECT and VYM?
DECT and VYM have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, DECT or VYM?
DECT yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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