JULW vs VYM
AllianzIM US Equity Buffer20 Jul 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 | JULW | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.04% | |
| AUM | $250M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 5 | 568 | |
| YTD Return | +6.02% | +16.53% | |
| 1Y Return | +9.70% | +25.03% | |
| 3Y Return (annualized) | +11.51% | +18.54% | |
| 5Y Return (annualized) | +9.20% | +12.25% | |
| Volatility (annualized) | 5.9% | 14.6% | |
| Max Drawdown | -9.5% | -58.8% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2020 | Nov 10, 2006 |
JULW vs VYM Performance
AllianzIM US Equity Buffer20 Jul ETF (JULW) is a ETF from AllianzIM and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year JULW returned +9.70% while VYM returned +25.03%. Year to date, JULW is up 6.02% versus a gain of 16.53% for VYM.
Over three years, JULW compounded at +11.51% per year against +18.54% for VYM; over five years the annualized figures are +9.20% and +12.25% respectively. Across the full 6-year window we track, JULW has the edge at +8.99% annualized vs +7.10%. 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 5.9% for JULW. 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 -9.5% for JULW 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JULW 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, JULW currently yields 0.00% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, JULW or VYM?
JULW 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, JULW or VYM?
Over the past year JULW returned +9.70% vs +25.03% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (6 years), JULW annualized +8.99% vs +7.10% for VYM. Past performance does not guarantee future results.
Which is riskier, JULW or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 5.9% for JULW. Worst drawdown: JULW -9.5% vs VYM -58.8%.
Should I hold both JULW and VYM?
JULW and VYM have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, JULW or VYM?
JULW yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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