MBCC vs VYM
Monarch Blue Chips Core Index 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 | MBCC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 1.14% | 0.04% | |
| AUM | $184M | $79.0B | |
| Dividend Yield | 0.35% | 2.86% | |
| Holdings | 26 | 568 | |
| YTD Return | +7.90% | +15.80% | |
| 1Y Return | +13.18% | +26.12% | |
| 3Y Return (annualized) | +15.61% | +18.25% | |
| 5Y Return (annualized) | +8.49% | +12.51% | |
| Volatility (annualized) | 16.5% | 14.6% | |
| Max Drawdown | -30.6% | -58.8% | |
| Fund Family | Monarch Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 23, 2021 | Nov 10, 2006 |
MBCC vs VYM Performance
Monarch Blue Chips Core Index ETF (MBCC) is a ETF from Monarch Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year MBCC returned +13.18% while VYM returned +26.12%. Year to date, MBCC is up 7.90% versus a gain of 15.80% for VYM.
Over three years, MBCC compounded at +15.61% per year against +18.25% for VYM; over five years the annualized figures are +8.49% and +12.51% respectively. Across the full 5-year window we track, MBCC has the edge at +9.79% annualized vs +7.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MBCC has been the more volatile fund, with annualized monthly volatility of 16.5% 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 -30.6% for MBCC 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MBCC charges 1.14% per year while VYM charges 0.04%. On a $10,000 position that is $114 vs $4 annually, a gap of $110 per year that compounds over a long holding period. On income, MBCC currently yields 0.35% against 2.86% for VYM.
Holdings Overlap
MBCC and VYM share 6 holdings out of 576 unique holdings combined, representing a 9.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MBCC or VYM?
MBCC has an expense ratio of 1.14% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $110 per year of difference.
Which performed better, MBCC or VYM?
Over the past year MBCC returned +13.18% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (5 years), MBCC annualized +9.79% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, MBCC or VYM?
MBCC has been the more volatile fund at 16.5% annualized versus 14.6% for VYM. Worst drawdown: MBCC -30.6% vs VYM -58.8%.
Should I hold both MBCC and VYM?
MBCC and VYM have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MBCC and VYM?
MBCC and VYM share 6 common holdings with a 9.9% weight overlap. Combined, they hold 576 unique securities.
Which pays a higher dividend, MBCC or VYM?
MBCC yields 0.35% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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