LIAM vs VYM
LIAM vs VYM
LifeX 2055 Inflation-Protected Longevity Income 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 | LIAM | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.04% | |
| AUM | $7M | $79.0B | |
| Dividend Yield | 7.37% | 2.86% | |
| Holdings | 20 | 568 | |
| YTD Return | -4.01% | +15.80% | |
| 1Y Return | -2.08% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 6.7% | 14.6% | |
| Max Drawdown | -8.4% | -58.8% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 17, 2024 | Nov 10, 2006 |
LIAM vs VYM Performance
LifeX 2055 Inflation-Protected Longevity Income ETF (LIAM) is a ETF from Stone Ridge Asset Management and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year LIAM returned -2.08% while VYM returned +26.12%. Year to date, LIAM is down 4.01% 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 6.7% for LIAM. 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 -8.4% for LIAM 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LIAM charges 0.25% per year while VYM charges 0.04%. On a $10,000 position that is $25 vs $4 annually, a gap of $21 per year that compounds over a long holding period. On income, LIAM currently yields 7.37% against 2.86% for VYM.
Holdings Overlap
LIAM and VYM share 0 holdings out of 579 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, LIAM or VYM?
LIAM has an expense ratio of 0.25% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $21 per year of difference.
Which performed better, LIAM or VYM?
Over the past year LIAM returned -2.08% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), LIAM annualized -2.74% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, LIAM or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 6.7% for LIAM. Worst drawdown: LIAM -8.4% vs VYM -58.8%.
Should I hold both LIAM and VYM?
LIAM and VYM have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LIAM and VYM?
LIAM and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 579 unique securities.
Which pays a higher dividend, LIAM or VYM?
LIAM yields 7.37% while VYM yields 2.86%, so LIAM currently pays the higher dividend yield.
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