OILT vs VYM
Texas Capital Texas Oil Index ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. OILT delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | OILT | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.04% | |
| AUM | $14M | $81.6B | |
| Dividend Yield | 2.55% | 2.24% | |
| Holdings | 27 | 616 | |
| YTD Return | +38.43% | +15.60% | |
| 1Y Return | +48.38% | +23.48% | |
| 3Y Return (annualized) | - | +19.07% | |
| 5Y Return (annualized) | - | +12.50% | |
| Volatility (annualized) | 25.5% | 14.6% | |
| Max Drawdown | -35.2% | -58.8% | |
| Fund Family | Texas Capital | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 20, 2023 | Nov 10, 2006 |
OILT vs VYM Performance
Texas Capital Texas Oil Index ETF (OILT) is a ETF from Texas Capital and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year OILT returned +48.38% while VYM returned +23.48%. Year to date, OILT is up 38.43% versus a gain of 15.60% for VYM.
Risk: Volatility and Drawdowns
OILT has been the more volatile fund, with annualized monthly volatility of 25.5% 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 -35.2% for OILT 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OILT charges 0.35% per year while VYM charges 0.04%. On a $10,000 position that is $35 vs $4 annually, a gap of $31 per year that compounds over a long holding period. On income, OILT currently yields 2.55% against 2.24% for VYM.
Holdings Overlap
OILT and VYM share 15 holdings out of 614 unique holdings combined, representing a 5.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, OILT or VYM?
OILT has an expense ratio of 0.35% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, OILT or VYM?
Over the past year OILT returned +48.38% vs +23.48% for VYM, so OILT leads on 1-year performance. Over the longest common window we track (3 years), OILT annualized +12.85% vs +7.05% for VYM. Past performance does not guarantee future results.
Which is riskier, OILT or VYM?
OILT has been the more volatile fund at 25.5% annualized versus 14.6% for VYM. Worst drawdown: OILT -35.2% vs VYM -58.8%.
Should I hold both OILT and VYM?
OILT and VYM have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OILT and VYM?
OILT and VYM share 15 common holdings with a 5.5% weight overlap. Combined, they hold 614 unique securities.
Which pays a higher dividend, OILT or VYM?
OILT yields 2.55% while VYM yields 2.24%, so OILT currently pays the higher dividend yield.
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