FINS vs VYM
Angel Oak Financial Strategies Income Term Trust vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | FINS | VYM | Winner |
|---|---|---|---|
| Expense Ratio | - | 0.04% | |
| AUM | $449M | $79.0B | |
| Dividend Yield | 10.11% | 2.86% | |
| Holdings | 242 | 568 | |
| YTD Return | +2.16% | +16.16% | |
| 1Y Return | +7.38% | +26.05% | |
| 3Y Return (annualized) | +12.73% | +18.43% | |
| 5Y Return (annualized) | +2.00% | +12.21% | |
| Volatility (annualized) | 10.5% | 14.6% | |
| Max Drawdown | -41.5% | -58.8% | |
| Fund Family | Angel Oak Capital Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 29, 2019 | Nov 10, 2006 |
FINS vs VYM Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is a ETF from Angel Oak Capital Advisors and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year FINS returned +7.38% while VYM returned +26.05%. Year to date, FINS is up 2.16% versus a gain of 16.16% for VYM.
Over three years, FINS compounded at +12.73% per year against +18.43% for VYM; over five years the annualized figures are +2.00% and +12.21% respectively. Across the full 7-year window we track, VYM has the edge at +7.09% annualized vs +0.77%. 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 10.5% for FINS. 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 -41.5% for FINS 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 0.47. They move independently enough that combining them can meaningfully diversify a portfolio.
Holdings Overlap
FINS and VYM share 12 holdings out of 613 unique holdings combined, representing a 0.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which performed better, FINS or VYM?
Over the past year FINS returned +7.38% vs +26.05% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.77% vs +7.09% for VYM. Past performance does not guarantee future results.
Which is riskier, FINS or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 10.5% for FINS. Worst drawdown: FINS -41.5% vs VYM -58.8%.
Should I hold both FINS and VYM?
FINS and VYM have a monthly-return correlation of 0.47, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINS and VYM?
FINS and VYM share 12 common holdings with a 0.7% weight overlap. Combined, they hold 613 unique securities.
Which pays a higher dividend, FINS or VYM?
FINS yields 10.11% while VYM yields 2.86%, so FINS currently pays the higher dividend yield.
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