PRAY vs VYM
FIS Christian Stock Fund 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 616 holdings.
Side-by-Side Comparison
| Metric | PRAY | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.04% | |
| AUM | $80M | $81.6B | |
| Dividend Yield | 0.61% | 2.24% | |
| Holdings | 68 | 616 | |
| YTD Return | +9.33% | +15.84% | |
| 1Y Return | +9.08% | +23.95% | |
| 3Y Return (annualized) | +13.88% | +19.02% | |
| 5Y Return (annualized) | - | +12.19% | |
| Volatility (annualized) | 14.3% | 14.6% | |
| Max Drawdown | -21.4% | -58.8% | |
| Fund Family | Faith Investor Services | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 7, 2022 | Nov 10, 2006 |
PRAY vs VYM Performance
FIS Christian Stock Fund (PRAY) is a ETF from Faith Investor Services and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year PRAY returned +9.08% while VYM returned +23.95%. Year to date, PRAY is up 9.33% versus a gain of 15.84% for VYM.
Over three years, PRAY compounded at +13.88% per year against +19.02% for VYM. Across the full 4-year window we track, VYM has the edge at +7.07% annualized vs +6.55%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 14.3% for PRAY. 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 -21.4% for PRAY 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PRAY charges 0.69% per year while VYM charges 0.04%. On a $10,000 position that is $69 vs $4 annually, a gap of $65 per year that compounds over a long holding period. On income, PRAY currently yields 0.61% against 2.24% for VYM.
Holdings Overlap
PRAY and VYM share 17 holdings out of 654 unique holdings combined, representing a 8.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PRAY or VYM?
PRAY has an expense ratio of 0.69% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $65 per year of difference.
Which performed better, PRAY or VYM?
Over the past year PRAY returned +9.08% vs +23.95% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), PRAY annualized +6.55% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, PRAY or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 14.3% for PRAY. Worst drawdown: PRAY -21.4% vs VYM -58.8%.
Should I hold both PRAY and VYM?
PRAY and VYM have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PRAY and VYM?
PRAY and VYM share 17 common holdings with a 8.2% weight overlap. Combined, they hold 654 unique securities.
Which pays a higher dividend, PRAY or VYM?
PRAY yields 0.61% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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