DXYZ vs VYM
Destiny Tech100 Inc vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. DXYZ delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | DXYZ | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 6.28% | 0.04% | |
| AUM | - | $81.6B | |
| Dividend Yield | - | 2.24% | |
| Holdings | 39 | 616 | |
| YTD Return | +11.32% | +15.34% | |
| 1Y Return | +25.89% | +23.24% | |
| 3Y Return (annualized) | - | +19.22% | |
| 5Y Return (annualized) | - | +12.21% | |
| Volatility (annualized) | 203.1% | 14.6% | |
| Max Drawdown | -90.3% | -58.8% | |
| Fund Family | Destiny Advisors | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 26, 2024 | Nov 10, 2006 |
DXYZ vs VYM Performance
Destiny Tech100 Inc (DXYZ) is a ETF from Destiny Advisors and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year DXYZ returned +25.89% while VYM returned +23.24%. Year to date, DXYZ is up 11.32% versus a gain of 15.34% for VYM.
Risk: Volatility and Drawdowns
DXYZ has been the more volatile fund, with annualized monthly volatility of 203.1% 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 -90.3% for DXYZ 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DXYZ charges 6.28% per year while VYM charges 0.04%. On a $10,000 position that is $628 vs $4 annually, a gap of $624 per year that compounds over a long holding period.
Holdings Overlap
DXYZ and VYM share 0 holdings out of 609 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, DXYZ or VYM?
DXYZ has an expense ratio of 6.28% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $624 per year of difference.
Which performed better, DXYZ or VYM?
Over the past year DXYZ returned +25.89% vs +23.24% for VYM, so DXYZ leads on 1-year performance. Over the longest common window we track (2 years), DXYZ annualized +74.74% vs +7.04% for VYM. Past performance does not guarantee future results.
Which is riskier, DXYZ or VYM?
DXYZ has been the more volatile fund at 203.1% annualized versus 14.6% for VYM. Worst drawdown: DXYZ -90.3% vs VYM -58.8%.
Should I hold both DXYZ and VYM?
DXYZ and VYM have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DXYZ and VYM?
DXYZ and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 609 unique securities.
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