RULE vs VYM
Adaptive Core ETF vs Vanguard High Dividend Yield ETF
Which is better, RULE or VYM?
Equity-oriented Balanced against Large Cap Value.
VYM has a lower expense ratio. RULE led over 1Y, VYM over 3Y and the full window. VYM is less concentrated, with 26.1% of the fund in its ten largest positions against 39.7%.
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 | RULE | VYM |
|---|---|---|
| Expense Ratio | 1.84% | 0.04%Best |
| AUM | $17M | $81.6B |
| Dividend Yield | 0.00% | 2.22% |
| Holdings | 36 | 613 |
| YTD Return | +27.56%Best | +11.71% |
| 1Y Return | +30.49%Best | +16.24% |
| 3Y Return (annualized) | +16.24% | +17.24%Best |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 17.7% | 13.8%Best |
| Max Drawdown | -30.5% | -15.8%Best |
| $10,000 over 4.9 years | $12,090 | $16,742Best |
| Top 10 Weight | 39.7% | 26.1%Best |
| Fund Family | Mohr Funds | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Value |
| Inception | Nov 2, 2021 | Nov 10, 2006 |
Volatility and max drawdown, and the $10,000 over 4.9 years row, are measured over the window both funds cover: Nov 3, 2021 to Sep 16, 2026 (4.9 years).
RULE 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 4.9 years both funds cover.
RULE vs VYM Performance
Adaptive Core ETF (RULE) is an ETF from Mohr Funds and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year RULE returned +30.49% while VYM returned +16.24%. Year to date, RULE is up 27.56% versus a gain of 11.71% for VYM.
Over three years, RULE compounded at +16.24% per year against +17.24% for VYM.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 17.7% compared with 13.8% for VYM. 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 -30.5% for RULE 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 0.46. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RULE charges 1.84% per year while VYM charges 0.04%. On a $10,000 position that is $184 vs $4 annually, a gap of $180 per year that compounds over a long holding period. On income, RULE currently yields 0.00% against 2.22% for VYM.
Holdings Overlap
34.5% of RULE's money is in holdings VYM also owns. 9.6% of VYM's money is in holdings RULE also owns.
The two portfolios partly overlap.
14 positions in common, counted across the 35 positions we hold weights for in RULE and 557 in VYM, against full books of 36 and 613.
What only one of them owns
Measured across the 35 and 557 positions we hold weights for.
VYM holds 514 positions RULE does not, 87.5% of the fund.
Largest: AVGO 7.35%, JPM 3.82%, XOM 2.63%, JNJ 2.51%, ABBV 1.80%
Top Shared Holdings
| Stock | Weight in RULE | Weight in VYM | Difference |
|---|---|---|---|
| DELLDell Technologies Inc | 3.84% | 0.50% | 3.34% |
| CATCaterpillar, Inc. | 2.54% | 1.50% | 1.04% |
| CSCOCisco Systems Inc. - Ordinary Shares | 2.02% | 1.86% | 0.16% |
| BACBank of America Corp.: Financials | 2.10% | 1.66% | 0.44% |
| GSGoldman Sachs Group Inc/The | 2.37% | 1.13% | 1.24% |
| PSXPhillips 66 | 2.72% | 0.34% | 2.38% |
| ALLAllstate Corp. | 2.72% | 0.27% | 2.45% |
| ADIAnalog Devices, Inc. | 2.26% | 0.73% | 1.53% |
| MPCMarathon Petroleum Corp | 2.54% | 0.38% | 2.16% |
| VTRSViatris Inc. | 2.80% | 0.08% | 2.72% |
34.5% of RULE is already inside VYM.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RULE or VYM?
RULE has an expense ratio of 1.84% while VYM charges 0.04%. VYM is the cheaper option, by $180 a year on a $10,000 investment.
Which performed better, RULE or VYM?
Over the past year RULE returned +30.49% vs +16.24% for VYM, so RULE leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RULE or VYM?
RULE has been the more volatile fund at 17.7% annualized versus 13.8% for VYM. Worst drawdown: RULE -30.5% vs VYM -15.8%.
Should I hold both RULE and VYM?
RULE and VYM have a monthly-return correlation of 0.46, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between RULE and VYM?
34.5% of RULE's money is in holdings VYM also owns. 9.6% of VYM's is in holdings RULE also owns. They hold 14 positions in common, counted across the 35 positions we hold weights for in RULE and 557 in VYM.
Which pays a higher dividend, RULE or VYM?
RULE yields 0.00% while VYM yields 2.22%, so VYM currently pays the higher dividend yield.
Is VYM better than RULE?
VYM has a lower expense ratio. RULE led over 1Y, VYM over 3Y and the full window. VYM is less concentrated, with 26.1% of the fund in its ten largest positions against 39.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.