RAYC vs VYM
RAYC vs VYM
Rayliant Quantamental China Equity 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 | RAYC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.04% | |
| AUM | $82M | $79.0B | |
| Dividend Yield | 5.19% | 2.86% | |
| Holdings | 76 | 568 | |
| YTD Return | +31.98% | +15.80% | |
| 1Y Return | +22.93% | +26.12% | |
| 3Y Return (annualized) | +2.77% | +18.25% | |
| 5Y Return (annualized) | -5.51% | +12.51% | |
| Volatility (annualized) | 22.0% | 14.6% | |
| Max Drawdown | -57.6% | -58.8% | |
| Fund Family | The Advisors Inner Circle Fund | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 30, 2020 | Nov 10, 2006 |
RAYC vs VYM Performance
Rayliant Quantamental China Equity ETF (RAYC) is a ETF from The Advisors Inner Circle Fund and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year RAYC returned +22.93% while VYM returned +26.12%. Year to date, RAYC is up 31.98% versus a gain of 15.80% for VYM.
Over three years, RAYC compounded at +2.77% per year against +18.25% for VYM; over five years the annualized figures are -5.51% and +12.51% respectively. Across the full 5-year window we track, VYM has the edge at +7.07% annualized vs -5.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RAYC has been the more volatile fund, with annualized monthly volatility of 22.0% 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 -57.6% for RAYC 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 0.17. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RAYC charges 0.80% per year while VYM charges 0.04%. On a $10,000 position that is $80 vs $4 annually, a gap of $76 per year that compounds over a long holding period. On income, RAYC currently yields 5.19% against 2.86% for VYM.
Holdings Overlap
RAYC and VYM share 0 holdings out of 630 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, RAYC or VYM?
RAYC has an expense ratio of 0.80% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $76 per year of difference.
Which performed better, RAYC or VYM?
Over the past year RAYC returned +22.93% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (5 years), RAYC annualized -5.51% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, RAYC or VYM?
RAYC has been the more volatile fund at 22.0% annualized versus 14.6% for VYM. Worst drawdown: RAYC -57.6% vs VYM -58.8%.
Should I hold both RAYC and VYM?
RAYC and VYM have a monthly-return correlation of 0.17, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RAYC and VYM?
RAYC and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 630 unique securities.
Which pays a higher dividend, RAYC or VYM?
RAYC yields 5.19% while VYM yields 2.86%, so RAYC currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.