PCR vs VYM
Simplify VettaFi Private Credit Strategy 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 | PCR | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.76% | 0.04% | |
| AUM | $2M | $79.0B | |
| Dividend Yield | 8.86% | 2.86% | |
| Holdings | 256 | 568 | |
| YTD Return | -6.12% | +16.78% | |
| 1Y Return | -11.72% | +24.43% | |
| 3Y Return (annualized) | - | +18.60% | |
| 5Y Return (annualized) | - | +12.30% | |
| Volatility (annualized) | - | 14.6% | |
| Max Drawdown | -20.1% | -58.8% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 22, 2025 | Nov 10, 2006 |
PCR vs VYM Performance
Simplify VettaFi Private Credit Strategy ETF (PCR) is a ETF from Simplify Exchange Traded Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year PCR returned -11.72% while VYM returned +24.43%. Year to date, PCR is down 6.12% versus a gain of 16.78% for VYM.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -20.1% for PCR and -58.8% for VYM. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
PCR charges 0.76% per year while VYM charges 0.04%. On a $10,000 position that is $76 vs $4 annually, a gap of $72 per year that compounds over a long holding period. On income, PCR currently yields 8.86% against 2.86% for VYM.
Holdings Overlap
PCR and VYM share 25 holdings out of 726 unique holdings combined, representing a 3.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PCR or VYM?
PCR has an expense ratio of 0.76% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, PCR or VYM?
Over the past year PCR returned -11.72% vs +24.43% for VYM, so VYM leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between PCR and VYM?
PCR and VYM share 25 common holdings with a 3.0% weight overlap. Combined, they hold 726 unique securities.
Which pays a higher dividend, PCR or VYM?
PCR yields 8.86% while VYM yields 2.86%, so PCR currently pays the higher dividend yield.
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