PSCX vs VYM
Pacer Swan SOS Conservative (January) 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 | PSCX | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.04% | |
| AUM | $46M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 5 | 568 | |
| YTD Return | +7.19% | +15.80% | |
| 1Y Return | +13.41% | +26.12% | |
| 3Y Return (annualized) | +12.54% | +18.25% | |
| 5Y Return (annualized) | +8.61% | +12.51% | |
| Volatility (annualized) | 6.4% | 14.6% | |
| Max Drawdown | -10.2% | -58.8% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Dec 22, 2020 | Nov 10, 2006 |
PSCX vs VYM Performance
Pacer Swan SOS Conservative (January) ETF (PSCX) is a ETF from Pacer ETFs and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year PSCX returned +13.41% while VYM returned +26.12%. Year to date, PSCX is up 7.19% versus a gain of 15.80% for VYM.
Over three years, PSCX compounded at +12.54% per year against +18.25% for VYM; over five years the annualized figures are +8.61% and +12.51% respectively. Across the full 6-year window we track, PSCX has the edge at +8.90% annualized vs +7.07%. 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 6.4% for PSCX. 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 -10.2% for PSCX 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PSCX 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, PSCX currently yields 0.00% against 2.86% for VYM.
Holdings Overlap
PSCX and VYM share 0 holdings out of 559 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, PSCX or VYM?
PSCX 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, PSCX or VYM?
Over the past year PSCX returned +13.41% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (6 years), PSCX annualized +8.90% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, PSCX or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 6.4% for PSCX. Worst drawdown: PSCX -10.2% vs VYM -58.8%.
Should I hold both PSCX and VYM?
PSCX and VYM have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PSCX and VYM?
PSCX and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 559 unique securities.
Which pays a higher dividend, PSCX or VYM?
PSCX yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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