LDRI vs VYM
iShares iBonds 1-5 Year TIPS Ladder 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 | LDRI | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.04% | |
| AUM | $22M | $79.0B | |
| Dividend Yield | 3.54% | 2.86% | |
| Holdings | 26 | 568 | |
| YTD Return | +2.05% | +16.10% | |
| 1Y Return | +3.00% | +25.99% | |
| 3Y Return (annualized) | - | +18.29% | |
| 5Y Return (annualized) | - | +12.35% | |
| Volatility (annualized) | 1.7% | 14.6% | |
| Max Drawdown | -0.8% | -58.8% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2024 | Nov 10, 2006 |
LDRI vs VYM Performance
iShares iBonds 1-5 Year TIPS Ladder ETF (LDRI) 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 LDRI returned +3.00% while VYM returned +25.99%. Year to date, LDRI is up 2.05% versus a gain of 16.10% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 1.7% for LDRI. 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 -0.8% for LDRI 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 0.28. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDRI charges 0.10% per year while VYM charges 0.04%. On a $10,000 position that is $10 vs $4 annually, a gap of $6 per year that compounds over a long holding period. On income, LDRI currently yields 3.54% against 2.86% for VYM.
Holdings Overlap
LDRI and VYM share 0 holdings out of 581 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, LDRI or VYM?
LDRI has an expense ratio of 0.10% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, LDRI or VYM?
Over the past year LDRI returned +3.00% vs +25.99% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), LDRI annualized +4.45% vs +7.08% for VYM. Past performance does not guarantee future results.
Which is riskier, LDRI or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 1.7% for LDRI. Worst drawdown: LDRI -0.8% vs VYM -58.8%.
Should I hold both LDRI and VYM?
LDRI and VYM have a monthly-return correlation of 0.28, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDRI and VYM?
LDRI and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 581 unique securities.
Which pays a higher dividend, LDRI or VYM?
LDRI yields 3.54% while VYM yields 2.86%, so LDRI currently pays the higher dividend yield.
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