RBIL vs VYM
F/m Ultrashort Treasury Inflation-Protected Security (TIPS) 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 616 holdings.
Side-by-Side Comparison
| Metric | RBIL | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.17% | 0.04% | |
| AUM | $155M | $81.6B | |
| Dividend Yield | 4.16% | 2.24% | |
| Holdings | 6 | 616 | |
| YTD Return | +2.58% | +14.84% | |
| 1Y Return | +3.51% | +20.88% | |
| 3Y Return (annualized) | - | +18.34% | |
| 5Y Return (annualized) | - | +12.04% | |
| Volatility (annualized) | 1.0% | 14.6% | |
| Max Drawdown | -0.6% | -58.8% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 24, 2025 | Nov 10, 2006 |
RBIL vs VYM Performance
F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL) is a ETF from US Benchmark Series and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year RBIL returned +3.51% while VYM returned +20.88%. Year to date, RBIL is up 2.58% versus a gain of 14.84% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 1.0% for RBIL. 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 -0.6% for RBIL 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 -0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RBIL charges 0.17% per year while VYM charges 0.04%. On a $10,000 position that is $17 vs $4 annually, a gap of $13 per year that compounds over a long holding period. On income, RBIL currently yields 4.16% against 2.24% for VYM.
Holdings Overlap
RBIL and VYM share 0 holdings out of 608 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, RBIL or VYM?
RBIL has an expense ratio of 0.17% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, RBIL or VYM?
Over the past year RBIL returned +3.51% vs +20.88% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), RBIL annualized +4.00% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, RBIL or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 1.0% for RBIL. Worst drawdown: RBIL -0.6% vs VYM -58.8%.
Should I hold both RBIL and VYM?
RBIL and VYM have a monthly-return correlation of -0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RBIL and VYM?
RBIL and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 608 unique securities.
Which pays a higher dividend, RBIL or VYM?
RBIL yields 4.16% while VYM yields 2.24%, so RBIL currently pays the higher dividend yield.
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