MBSF vs VYM
REGAN FLOATING RATE MBS 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 | MBSF | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.04% | |
| AUM | $235M | $79.0B | |
| Dividend Yield | 4.47% | 2.86% | |
| Holdings | 388 | 568 | |
| YTD Return | +2.31% | +16.10% | |
| 1Y Return | +5.04% | +25.99% | |
| 3Y Return (annualized) | - | +18.29% | |
| 5Y Return (annualized) | - | +12.35% | |
| Volatility (annualized) | 1.4% | 14.6% | |
| Max Drawdown | -1.0% | -58.8% | |
| Fund Family | Regan Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 27, 2024 | Nov 10, 2006 |
MBSF vs VYM Performance
REGAN FLOATING RATE MBS ETF (MBSF) is a ETF from Regan Capital and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year MBSF returned +5.04% while VYM returned +25.99%. Year to date, MBSF is up 2.31% 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 1.4% for MBSF. 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 -1.0% for MBSF 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 0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSF charges 0.49% per year while VYM charges 0.04%. On a $10,000 position that is $49 vs $4 annually, a gap of $45 per year that compounds over a long holding period. On income, MBSF currently yields 4.47% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, MBSF or VYM?
MBSF has an expense ratio of 0.49% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $45 per year of difference.
Which performed better, MBSF or VYM?
Over the past year MBSF returned +5.04% vs +25.99% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), MBSF annualized +5.72% vs +7.08% for VYM. Past performance does not guarantee future results.
Which is riskier, MBSF or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 1.4% for MBSF. Worst drawdown: MBSF -1.0% vs VYM -58.8%.
Should I hold both MBSF and VYM?
MBSF and VYM have a monthly-return correlation of 0.39, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, MBSF or VYM?
MBSF yields 4.47% while VYM yields 2.86%, so MBSF currently pays the higher dividend yield.
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