RMIF vs VYM
LHA Risk-Managed Income 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 | RMIF | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 1.55% | 0.04% | |
| AUM | $6M | $79.0B | |
| Dividend Yield | 5.68% | 2.86% | |
| Holdings | 7 | 568 | |
| YTD Return | -2.80% | +16.10% | |
| 1Y Return | -1.16% | +25.99% | |
| 3Y Return (annualized) | +3.47% | +18.29% | |
| 5Y Return (annualized) | - | +12.35% | |
| Volatility (annualized) | 2.4% | 14.6% | |
| Max Drawdown | -3.7% | -58.8% | |
| Fund Family | Little Harbor Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 9, 2023 | Nov 10, 2006 |
RMIF vs VYM Performance
LHA Risk-Managed Income ETF (RMIF) is a ETF from Little Harbor Advisors and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year RMIF returned -1.16% while VYM returned +25.99%. Year to date, RMIF is down 2.80% versus a gain of 16.10% for VYM.
Over three years, RMIF compounded at +3.47% per year against +18.29% for VYM. Across the full 3-year window we track, VYM has the edge at +7.08% annualized vs +3.71%. 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 2.4% for RMIF. 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 -3.7% for RMIF 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
RMIF charges 1.55% per year while VYM charges 0.04%. On a $10,000 position that is $155 vs $4 annually, a gap of $151 per year that compounds over a long holding period. On income, RMIF currently yields 5.68% against 2.86% for VYM.
Holdings Overlap
RMIF and VYM share 0 holdings out of 564 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, RMIF or VYM?
RMIF has an expense ratio of 1.55% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $151 per year of difference.
Which performed better, RMIF or VYM?
Over the past year RMIF returned -1.16% vs +25.99% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), RMIF annualized +3.71% vs +7.08% for VYM. Past performance does not guarantee future results.
Which is riskier, RMIF or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 2.4% for RMIF. Worst drawdown: RMIF -3.7% vs VYM -58.8%.
Should I hold both RMIF and VYM?
RMIF 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 RMIF and VYM?
RMIF and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 564 unique securities.
Which pays a higher dividend, RMIF or VYM?
RMIF yields 5.68% while VYM yields 2.86%, so RMIF currently pays the higher dividend yield.
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