JULP vs VYM
JULP vs VYM
PGIM S&P 500 Buffer 12 ETF - July 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 | JULP | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.04% | |
| AUM | $33M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 7 | 568 | |
| YTD Return | +8.06% | +15.80% | |
| 1Y Return | +14.16% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 6.9% | 14.6% | |
| Max Drawdown | -12.4% | -58.8% | |
| Fund Family | PGIM Investments | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | May 8, 2024 | Nov 10, 2006 |
JULP vs VYM Performance
PGIM S&P 500 Buffer 12 ETF - July (JULP) is a ETF from PGIM Investments and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year JULP returned +14.16% while VYM returned +26.12%. Year to date, JULP is up 8.06% versus a gain of 15.80% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 6.9% for JULP. 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 -12.4% for JULP 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
JULP charges 0.50% per year while VYM charges 0.04%. On a $10,000 position that is $50 vs $4 annually, a gap of $46 per year that compounds over a long holding period. On income, JULP currently yields 0.00% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, JULP or VYM?
JULP has an expense ratio of 0.50% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, JULP or VYM?
Over the past year JULP returned +14.16% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), JULP annualized +13.66% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, JULP or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 6.9% for JULP. Worst drawdown: JULP -12.4% vs VYM -58.8%.
Should I hold both JULP and VYM?
JULP 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, JULP or VYM?
JULP yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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