SFYF vs VYM
SoFi Social 50 ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. SFYF delivered stronger 1-year returns. VYM offers more diversification with 568 holdings.
Side-by-Side Comparison
| Metric | SFYF | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.04% | |
| AUM | $39M | $79.0B | |
| Dividend Yield | 0.36% | 2.86% | |
| Holdings | 52 | 568 | |
| YTD Return | +14.21% | +16.78% | |
| 1Y Return | +25.28% | +24.43% | |
| 3Y Return (annualized) | +32.38% | +18.60% | |
| 5Y Return (annualized) | +11.56% | +12.30% | |
| Volatility (annualized) | 29.6% | 14.6% | |
| Max Drawdown | -56.1% | -58.8% | |
| Fund Family | SoFi | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 7, 2019 | Nov 10, 2006 |
SFYF vs VYM Performance
SoFi Social 50 ETF (SFYF) is a ETF from SoFi and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year SFYF returned +25.28% while VYM returned +24.43%. Year to date, SFYF is up 14.21% versus a gain of 16.78% for VYM.
Over three years, SFYF compounded at +32.38% per year against +18.60% for VYM; over five years the annualized figures are +11.56% and +12.30% respectively. Across the full 7-year window we track, SFYF has the edge at +17.91% annualized vs +7.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYF has been the more volatile fund, with annualized monthly volatility of 29.6% compared with 14.6% 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 -56.1% for SFYF 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SFYF charges 0.29% per year while VYM charges 0.04%. On a $10,000 position that is $29 vs $4 annually, a gap of $25 per year that compounds over a long holding period. On income, SFYF currently yields 0.36% against 2.86% for VYM.
Holdings Overlap
SFYF and VYM share 13 holdings out of 596 unique holdings combined, representing a 11.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SFYF or VYM?
SFYF has an expense ratio of 0.29% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which performed better, SFYF or VYM?
Over the past year SFYF returned +25.28% vs +24.43% for VYM, so SFYF leads on 1-year performance. Over the longest common window we track (7 years), SFYF annualized +17.91% vs +7.11% for VYM. Past performance does not guarantee future results.
Which is riskier, SFYF or VYM?
SFYF has been the more volatile fund at 29.6% annualized versus 14.6% for VYM. Worst drawdown: SFYF -56.1% vs VYM -58.8%.
Should I hold both SFYF and VYM?
SFYF and VYM have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SFYF and VYM?
SFYF and VYM share 13 common holdings with a 11.3% weight overlap. Combined, they hold 596 unique securities.
Which pays a higher dividend, SFYF or VYM?
SFYF yields 0.36% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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