RAA vs VYM
SMI 3Fourteen REAL Asset Allocation ETF vs Vanguard High Dividend Yield ETF
Which is better, RAA or VYM?
Large Cap Blend against Large Cap Value.
VYM has a lower expense ratio. RAA led over 5Y, VYM over 1Y, 3Y and the full window. VYM is less concentrated, with 26.1% of the fund in its ten largest positions against 57.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | RAA | VYM |
|---|---|---|
| Expense Ratio | 0.85% | 0.04%Best |
| AUM | $616M | $81.6B |
| Dividend Yield | 2.06% | 2.22% |
| Holdings | 185 | 613 |
| YTD Return | +9.65% | +12.87%Best |
| 1Y Return | +13.45% | +17.25%Best |
| 3Y Return (annualized) | +14.37% | +17.66%Best |
| 5Y Return (annualized) | +14.37%Best | +11.98% |
| Volatility (annualized) | 36.9% | 14.5%Best |
| Max Drawdown | -53.8%Best | -58.8% |
| $10,000 over 5 years | $19,569Best | $17,608 |
| Top 10 Weight | 57.0% | 26.1%Best |
| Fund Family | 3FourteenSMI | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Feb 26, 2025 | Nov 10, 2006 |
Volatility and max drawdown are measured over the window both funds cover: Nov 20, 2006 to Sep 15, 2026 (19.8 years).
RAA vs VYM growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 19.8 years both funds cover.
RAA vs VYM Performance
SMI 3Fourteen REAL Asset Allocation ETF (RAA) is an ETF from 3FourteenSMI and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year RAA returned +13.45% while VYM returned +17.25%. Year to date, RAA is up 9.65% versus a gain of 12.87% for VYM.
Over three years, RAA compounded at +14.37% per year against +17.66% for VYM; over five years the annualized figures are +14.37% and +11.98% respectively. Across the full 20-year window we track, VYM has the edge at +6.90% annualized vs +4.70%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAA has been the more volatile fund, with annualized monthly volatility of 36.9% compared with 14.5% 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 -53.8% for RAA and -58.8% for VYM. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.09. They move largely independently of each other.
Fees and Cost Over Time
RAA charges 0.85% per year while VYM charges 0.04%. On a $10,000 position that is $85 vs $4 annually, a gap of $81 per year that compounds over a long holding period. On income, RAA currently yields 2.06% against 2.22% for VYM.
Holdings Overlap
11.2% of RAA's money is in holdings VYM also owns. 30.9% of VYM's money is in holdings RAA also owns.
The two portfolios partly overlap.
54 positions in common, counted across the 180 positions we hold weights for in RAA and 557 in VYM, against full books of 185 and 613.
What only one of them owns
Our book lists 474 positions for VYM that do not appear in our book for RAA (66.1% of the fund), and 110 for RAA that do not appear in VYM (85.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in RAA | Weight in VYM | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 0.45% | 7.35% | 6.90% |
| XOMExxon Mobil Corp. | 0.50% | 2.63% | 2.13% |
| CSCOCisco Systems Inc. - Ordinary Shares | 0.30% | 1.86% | 1.56% |
| CVXChevron Corp | 0.65% | 1.48% | 0.83% |
| ABBVAbbvie Inc. | 0.25% | 1.80% | 1.55% |
| TXNTexas Instrument Inc | 0.17% | 1.02% | 0.85% |
| PEPPepsico Inc. | 0.31% | 0.77% | 0.46% |
| IBMInternational Business Machines Corp. | 0.22% | 0.85% | 0.63% |
| LINLinde Plc Ordinary Shares | 0.17% | 0.90% | 0.73% |
| MPCMarathon Petroleum Corp | 0.57% | 0.38% | 0.19% |
30.9% of VYM is already inside RAA.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RAA or VYM?
RAA has an expense ratio of 0.85% while VYM charges 0.04%. VYM is the cheaper option, by $81 a year on a $10,000 investment.
Which performed better, RAA or VYM?
Over the past year RAA returned +13.45% vs +17.25% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (20 years), RAA annualized +4.70% vs +6.90% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RAA or VYM?
RAA has been the more volatile fund at 36.9% annualized versus 14.5% for VYM. Worst drawdown: RAA -53.8% vs VYM -58.8%.
Should I hold both RAA and VYM?
RAA and VYM have a monthly-return correlation of 0.09, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between RAA and VYM?
30.9% of VYM's money is in holdings RAA also owns. 30.9% of VYM's is in holdings RAA also owns. They hold 54 positions in common, counted across the 180 positions we hold weights for in RAA and 557 in VYM.
Which pays a higher dividend, RAA or VYM?
RAA yields 2.06% while VYM yields 2.22%, so VYM currently pays the higher dividend yield.
Is VYM better than RAA?
VYM has a lower expense ratio. RAA led over 5Y, VYM over 1Y, 3Y and the full window. VYM is less concentrated, with 26.1% of the fund in its ten largest positions against 57.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.