RISN vs VYM
Inspire Capital Appreciation 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 | RISN | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.72% | 0.04% | |
| AUM | $73M | $81.6B | |
| Dividend Yield | 1.16% | 2.24% | |
| Holdings | 29 | 616 | |
| YTD Return | +8.53% | +15.75% | |
| 1Y Return | +12.09% | +23.85% | |
| 3Y Return (annualized) | +11.65% | +19.14% | |
| 5Y Return (annualized) | +4.20% | +12.45% | |
| Volatility (annualized) | 11.1% | 14.6% | |
| Max Drawdown | -21.9% | -58.8% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jul 15, 2020 | Nov 10, 2006 |
RISN vs VYM Performance
Inspire Capital Appreciation ETF (RISN) is a ETF from Inspire ETFs and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year RISN returned +12.09% while VYM returned +23.85%. Year to date, RISN is up 8.53% versus a gain of 15.75% for VYM.
Over three years, RISN compounded at +11.65% per year against +19.14% for VYM; over five years the annualized figures are +4.20% and +12.45% respectively. Across the full 6-year window we track, VYM has the edge at +7.06% annualized vs +6.60%. 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 11.1% for RISN. 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 -21.9% for RISN 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RISN charges 0.72% per year while VYM charges 0.04%. On a $10,000 position that is $72 vs $4 annually, a gap of $68 per year that compounds over a long holding period. On income, RISN currently yields 1.16% against 2.24% for VYM.
Holdings Overlap
RISN and VYM share 7 holdings out of 624 unique holdings combined, representing a 2.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RISN or VYM?
RISN has an expense ratio of 0.72% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $68 per year of difference.
Which performed better, RISN or VYM?
Over the past year RISN returned +12.09% vs +23.85% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (6 years), RISN annualized +6.60% vs +7.06% for VYM. Past performance does not guarantee future results.
Which is riskier, RISN or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 11.1% for RISN. Worst drawdown: RISN -21.9% vs VYM -58.8%.
Should I hold both RISN and VYM?
RISN and VYM have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RISN and VYM?
RISN and VYM share 7 common holdings with a 2.3% weight overlap. Combined, they hold 624 unique securities.
Which pays a higher dividend, RISN or VYM?
RISN yields 1.16% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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