PINC vs VYM
PGIM Securitized Income ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. PINC delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | PINC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.04% | |
| AUM | $25M | $81.6B | |
| Dividend Yield | 0.77% | 2.24% | |
| Holdings | 106 | 616 | |
| YTD Return | -0.13% | +15.60% | |
| 1Y Return | +92.79% | +23.48% | |
| 3Y Return (annualized) | +30.18% | +19.07% | |
| 5Y Return (annualized) | +8.83% | +12.50% | |
| Volatility (annualized) | 32.9% | 14.6% | |
| Max Drawdown | -56.7% | -58.8% | |
| Fund Family | PGIM Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 1, 2026 | Nov 10, 2006 |
PINC vs VYM Performance
PGIM Securitized Income ETF (PINC) is a ETF from PGIM Investments and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year PINC returned +92.79% while VYM returned +23.48%. Year to date, PINC is down 0.13% versus a gain of 15.60% for VYM.
Over three years, PINC compounded at +30.18% per year against +19.07% for VYM; over five years the annualized figures are +8.83% and +12.50% respectively. Across the full 13-year window we track, VYM has the edge at +7.05% annualized vs +5.19%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PINC has been the more volatile fund, with annualized monthly volatility of 32.9% 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 -56.7% for PINC 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 0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PINC charges 0.39% per year while VYM charges 0.04%. On a $10,000 position that is $39 vs $4 annually, a gap of $35 per year that compounds over a long holding period. On income, PINC currently yields 0.77% against 2.24% for VYM.
Holdings Overlap
PINC and VYM share 0 holdings out of 611 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, PINC or VYM?
PINC has an expense ratio of 0.39% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, PINC or VYM?
Over the past year PINC returned +92.79% vs +23.48% for VYM, so PINC leads on 1-year performance. Over the longest common window we track (13 years), PINC annualized +5.19% vs +7.05% for VYM. Past performance does not guarantee future results.
Which is riskier, PINC or VYM?
PINC has been the more volatile fund at 32.9% annualized versus 14.6% for VYM. Worst drawdown: PINC -56.7% vs VYM -58.8%.
Should I hold both PINC and VYM?
PINC and VYM have a monthly-return correlation of 0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PINC and VYM?
PINC and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 611 unique securities.
Which pays a higher dividend, PINC or VYM?
PINC yields 0.77% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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