PSMJ vs VYM
Pacer Swan SOS Moderate July 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 | PSMJ | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.04% | |
| AUM | $94M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 6 | 568 | |
| YTD Return | +6.87% | +16.16% | |
| 1Y Return | +11.74% | +26.05% | |
| 3Y Return (annualized) | +13.17% | +18.43% | |
| 5Y Return (annualized) | +10.68% | +12.21% | |
| Volatility (annualized) | 8.0% | 14.6% | |
| Max Drawdown | -10.9% | -58.8% | |
| Fund Family | Pacer ETFs | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2021 | Nov 10, 2006 |
PSMJ vs VYM Performance
Pacer Swan SOS Moderate July ETF (PSMJ) is a ETF from Pacer ETFs and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year PSMJ returned +11.74% while VYM returned +26.05%. Year to date, PSMJ is up 6.87% versus a gain of 16.16% for VYM.
Over three years, PSMJ compounded at +13.17% per year against +18.43% for VYM; over five years the annualized figures are +10.68% and +12.21% respectively. Across the full 5-year window we track, PSMJ has the edge at +10.61% annualized vs +7.09%. 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 8.0% for PSMJ. 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 -10.9% for PSMJ 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PSMJ 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, PSMJ currently yields 0.00% against 2.86% for VYM.
Holdings Overlap
PSMJ 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, PSMJ or VYM?
PSMJ 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, PSMJ or VYM?
Over the past year PSMJ returned +11.74% vs +26.05% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (5 years), PSMJ annualized +10.61% vs +7.09% for VYM. Past performance does not guarantee future results.
Which is riskier, PSMJ or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 8.0% for PSMJ. Worst drawdown: PSMJ -10.9% vs VYM -58.8%.
Should I hold both PSMJ and VYM?
PSMJ and VYM have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PSMJ and VYM?
PSMJ and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 559 unique securities.
Which pays a higher dividend, PSMJ or VYM?
PSMJ yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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