RMIF vs VYM
LHA Risk-Managed Income ETF vs Vanguard High Dividend Yield ETF
Which is better, RMIF or VYM?
Intermediate Term Bond against Large Cap Value.
VYM has a lower expense ratio. VYM led over 1Y and the full window.
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 | RMIF | VYM |
|---|---|---|
| Expense Ratio | 1.55% | 0.04%Best |
| AUM | $6M | $81.6B |
| Dividend Yield | 5.68% | 2.22% |
| Holdings | 7 | 613 |
| Volatility (annualized) | 2.4%Best | 11.1% |
| Max Drawdown | -3.7%Best | -14.5% |
| $10,000 over 3.1 years | $11,196 | $16,876Best |
| Top 10 Weight | - | 26.1% |
| Fund Family | Little Harbor Advisors | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Intermediate Term Bond | Large Cap Value |
| Inception | Jun 9, 2023 | Nov 10, 2006 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 56 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. RMIF has data through Jul 27, 2026 and VYM through Sep 21, 2026.
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Jun 9, 2023 to Jul 27, 2026 (3.1 years).
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 11.1% 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 -14.5% 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
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 2.22% for VYM.
Holdings Overlap
We hold position weights for 6 holdings in RMIF and 557 in VYM, totalling 100.0% and 99.2% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 92 days apart, RMIF as of Apr 30, 2026 and VYM as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 6 positions we hold weights for in RMIF and 557 in VYM, against full books of 7 and 613.
What only one of them owns
Our book lists 528 positions for VYM that do not appear in our book for RMIF (97.1% of the fund), and 6 for RMIF that do not appear in VYM (100.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of RMIF 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, RMIF or VYM?
RMIF has an expense ratio of 1.55% while VYM charges 0.04%. VYM is the cheaper option, by $151 a year on a $10,000 investment.
Which is riskier, RMIF or VYM?
VYM has been the more volatile fund at 11.1% annualized versus 2.4% for RMIF. Worst drawdown: RMIF -3.7% vs VYM -14.5%.
Should I hold both RMIF and VYM?
RMIF 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, RMIF or VYM?
RMIF yields 5.68% while VYM yields 2.22%, so RMIF currently pays the higher dividend yield.
Is VYM better than RMIF?
VYM has a lower expense ratio. VYM led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.