RDFI vs VYM
Rareview Dynamic Fixed Income ETF vs Vanguard High Dividend Yield ETF
Which is better, RDFI or VYM?
VYM has been ahead.
VYM has a lower expense ratio. VYM led over 1Y, 3Y, 5Y and the full window. VYM is less concentrated, with 26.1% of the fund in its ten largest positions against 45.1%.
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 | RDFI | VYM |
|---|---|---|
| Expense Ratio | 4.23% | 0.04%Best |
| AUM | $87M | $81.6B |
| Dividend Yield | 8.32% | 2.22% |
| Holdings | 40 | 613 |
| YTD Return | -6.92% | +11.35%Best |
| 1Y Return | -7.01% | +15.34%Best |
| 3Y Return (annualized) | +7.31% | +17.22%Best |
| 5Y Return (annualized) | +0.74% | +12.30%Best |
| Volatility (annualized) | 10.9%Best | 14.0% |
| Max Drawdown | -23.7% | -15.8%Best |
| $10,000 over 5 years | $10,376 | $17,861Best |
| Top 10 Weight | 45.1% | 26.1%Best |
| Fund Family | Rareview Capital | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Oct 21, 2020 | Nov 10, 2006 |
Volatility and max drawdown are measured over the window both funds cover: Oct 21, 2020 to Sep 18, 2026 (5.9 years).
RDFI 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 5.9 years both funds cover.
RDFI vs VYM Performance
Rareview Dynamic Fixed Income ETF (RDFI) is an ETF from Rareview Capital and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year RDFI returned -7.01% while VYM returned +15.34%. Year to date, RDFI is down 6.92% versus a gain of 11.35% for VYM.
Over three years, RDFI compounded at +7.31% per year against +17.22% for VYM; over five years the annualized figures are +0.74% and +12.30% respectively. Across the full 6-year window we track, VYM has the edge at +14.80% annualized vs +4.22%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.0% compared with 10.9% for RDFI. 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 -23.7% for RDFI and -15.8% 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RDFI charges 4.23% per year while VYM charges 0.04%. On a $10,000 position that is $423 vs $4 annually, a gap of $419 per year that compounds over a long holding period. On income, RDFI currently yields 8.32% against 2.22% for VYM.
Holdings Overlap
We hold position weights for 37 holdings in RDFI and 557 in VYM, totalling 96.9% and 99.2% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 37 positions we hold weights for in RDFI and 557 in VYM, against full books of 40 and 613.
What only one of them owns
Measured across the 37 and 557 positions we hold weights for.
VYM holds 528 positions RDFI does not, 97.1% of the fund.
Largest: AVGO 7.35%, JPM 3.82%, XOM 2.63%, JNJ 2.51%, CSCO 1.86%
You are not choosing between two funds in isolation.
Whichever of RDFI and VYM you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RDFI or VYM?
RDFI has an expense ratio of 4.23% while VYM charges 0.04%. VYM is the cheaper option, by $419 a year on a $10,000 investment.
Which performed better, RDFI or VYM?
Over the past year RDFI returned -7.01% vs +15.34% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (6 years), RDFI annualized +4.22% vs +14.80% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RDFI or VYM?
VYM has been the more volatile fund at 14.0% annualized versus 10.9% for RDFI. Worst drawdown: RDFI -23.7% vs VYM -15.8%.
Should I hold both RDFI and VYM?
RDFI and VYM have a monthly-return correlation of 0.68, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, RDFI or VYM?
RDFI yields 8.32% while VYM yields 2.22%, so RDFI currently pays the higher dividend yield.
Is VYM better than RDFI?
VYM has a lower expense ratio. VYM led over 1Y, 3Y, 5Y and the full window. VYM is less concentrated, with 26.1% of the fund in its ten largest positions against 45.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.