JUST vs VYM
Goldman Sachs JUST US Large Cap Equity ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. JUST delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | JUST | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.04% | |
| AUM | $579M | $81.6B | |
| Dividend Yield | 0.95% | 2.24% | |
| Holdings | 463 | 616 | |
| YTD Return | +14.99% | +14.84% | |
| 1Y Return | +21.36% | +20.88% | |
| 3Y Return (annualized) | +21.25% | +18.34% | |
| 5Y Return (annualized) | +12.25% | +12.04% | |
| Volatility (annualized) | 16.8% | 14.6% | |
| Max Drawdown | -33.8% | -58.8% | |
| Fund Family | Goldman Sachs Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 7, 2018 | Nov 10, 2006 |
JUST vs VYM Performance
Goldman Sachs JUST US Large Cap Equity ETF (JUST) is a ETF from Goldman Sachs Asset Management and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year JUST returned +21.36% while VYM returned +20.88%. Year to date, JUST is up 14.99% versus a gain of 14.84% for VYM.
Over three years, JUST compounded at +21.25% per year against +18.34% for VYM; over five years the annualized figures are +12.25% and +12.04% respectively. Across the full 8-year window we track, JUST has the edge at +14.02% annualized vs +7.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
JUST has been the more volatile fund, with annualized monthly volatility of 16.8% 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 -33.8% for JUST 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JUST charges 0.20% per year while VYM charges 0.04%. On a $10,000 position that is $20 vs $4 annually, a gap of $16 per year that compounds over a long holding period. On income, JUST currently yields 0.95% against 2.24% for VYM.
Holdings Overlap
JUST and VYM share 228 holdings out of 835 unique holdings combined, representing a 37.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, JUST or VYM?
JUST has an expense ratio of 0.20% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $16 per year of difference.
Which performed better, JUST or VYM?
Over the past year JUST returned +21.36% vs +20.88% for VYM, so JUST leads on 1-year performance. Over the longest common window we track (8 years), JUST annualized +14.02% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, JUST or VYM?
JUST has been the more volatile fund at 16.8% annualized versus 14.6% for VYM. Worst drawdown: JUST -33.8% vs VYM -58.8%.
Should I hold both JUST and VYM?
JUST and VYM have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JUST and VYM?
JUST and VYM share 228 common holdings with a 37.4% weight overlap. Combined, they hold 835 unique securities.
Which pays a higher dividend, JUST or VYM?
JUST yields 0.95% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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