RSSB vs VYM
RSSB vs VYM
Return Stacked Global Stocks & Bonds 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 | RSSB | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.04% | |
| AUM | $508M | $79.0B | |
| Dividend Yield | 2.33% | 2.86% | |
| Holdings | 9 | 568 | |
| YTD Return | +10.59% | +15.80% | |
| 1Y Return | +17.51% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 13.9% | 14.6% | |
| Max Drawdown | -16.2% | -58.8% | |
| Fund Family | Return Stacked ETF | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 7, 2023 | Nov 10, 2006 |
RSSB vs VYM Performance
Return Stacked Global Stocks & Bonds ETF (RSSB) is a ETF from Return Stacked ETF and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year RSSB returned +17.51% while VYM returned +26.12%. Year to date, RSSB is up 10.59% versus a gain of 15.80% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 13.9% for RSSB. 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 -16.2% for RSSB 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 0.81. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RSSB charges 0.39% per year while VYM charges 0.04%. On a $10,000 position that is $39 vs $4 annually, a gap of $35 per year that compounds over a long holding period. On income, RSSB currently yields 2.33% against 2.86% for VYM.
Holdings Overlap
RSSB and VYM share 0 holdings out of 561 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, RSSB or VYM?
RSSB has an expense ratio of 0.39% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, RSSB or VYM?
Over the past year RSSB returned +17.51% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), RSSB annualized +18.13% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, RSSB or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 13.9% for RSSB. Worst drawdown: RSSB -16.2% vs VYM -58.8%.
Should I hold both RSSB and VYM?
RSSB and VYM have a monthly-return correlation of 0.81, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSSB and VYM?
RSSB and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 561 unique securities.
Which pays a higher dividend, RSSB or VYM?
RSSB yields 2.33% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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