IBMQ vs VYM
iShares iBonds Dec 2028 Term Muni Bond ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. IBMQ offers more diversification with 2,676 holdings.
Side-by-Side Comparison
| Metric | IBMQ | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.04% | |
| AUM | $661M | $79.0B | |
| Dividend Yield | 2.44% | 2.86% | |
| Holdings | 2,676 | 568 | |
| YTD Return | -0.18% | +16.78% | |
| 1Y Return | +0.60% | +24.43% | |
| 3Y Return (annualized) | +2.58% | +18.60% | |
| 5Y Return (annualized) | +0.11% | +12.30% | |
| Volatility (annualized) | 5.0% | 14.6% | |
| Max Drawdown | -15.8% | -58.8% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Apr 16, 2019 | Nov 10, 2006 |
IBMQ vs VYM Performance
iShares iBonds Dec 2028 Term Muni Bond ETF (IBMQ) is a ETF from iShares by BlackRock (US) and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year IBMQ returned +0.60% while VYM returned +24.43%. Year to date, IBMQ is down 0.18% versus a gain of 16.78% for VYM.
Over three years, IBMQ compounded at +2.58% per year against +18.60% for VYM; over five years the annualized figures are +0.11% and +12.30% respectively. Across the full 7-year window we track, VYM has the edge at +7.11% annualized vs +1.77%. 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 5.0% for IBMQ. 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 -15.8% for IBMQ 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBMQ charges 0.18% per year while VYM charges 0.04%. On a $10,000 position that is $18 vs $4 annually, a gap of $14 per year that compounds over a long holding period. On income, IBMQ currently yields 2.44% against 2.86% for VYM.
Holdings Overlap
IBMQ and VYM share 0 holdings out of 865 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, IBMQ or VYM?
IBMQ has an expense ratio of 0.18% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, IBMQ or VYM?
Over the past year IBMQ returned +0.60% vs +24.43% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (7 years), IBMQ annualized +1.77% vs +7.11% for VYM. Past performance does not guarantee future results.
Which is riskier, IBMQ or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 5.0% for IBMQ. Worst drawdown: IBMQ -15.8% vs VYM -58.8%.
Should I hold both IBMQ and VYM?
IBMQ and VYM have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBMQ and VYM?
IBMQ and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 865 unique securities.
Which pays a higher dividend, IBMQ or VYM?
IBMQ yields 2.44% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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