TBFC vs VYM
The Brinsmere Fund - Conservative 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 | TBFC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.44% | 0.04% | |
| AUM | $357M | $79.0B | |
| Dividend Yield | 2.99% | 2.86% | |
| Holdings | 28 | 568 | |
| YTD Return | +5.19% | +16.10% | |
| 1Y Return | +11.45% | +25.99% | |
| 3Y Return (annualized) | - | +18.29% | |
| 5Y Return (annualized) | - | +12.35% | |
| Volatility (annualized) | 6.6% | 14.6% | |
| Max Drawdown | -10.0% | -58.8% | |
| Fund Family | Brinsmere Fund | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jan 12, 2024 | Nov 10, 2006 |
TBFC vs VYM Performance
The Brinsmere Fund - Conservative ETF (TBFC) is a ETF from Brinsmere Fund and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TBFC returned +11.45% while VYM returned +25.99%. Year to date, TBFC is up 5.19% versus a gain of 16.10% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 6.6% for TBFC. 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 -10.0% for TBFC 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TBFC charges 0.44% per year while VYM charges 0.04%. On a $10,000 position that is $44 vs $4 annually, a gap of $40 per year that compounds over a long holding period. On income, TBFC currently yields 2.99% against 2.86% for VYM.
Holdings Overlap
TBFC and VYM share 0 holdings out of 585 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, TBFC or VYM?
TBFC has an expense ratio of 0.44% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, TBFC or VYM?
Over the past year TBFC returned +11.45% vs +25.99% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), TBFC annualized +9.29% vs +7.08% for VYM. Past performance does not guarantee future results.
Which is riskier, TBFC or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 6.6% for TBFC. Worst drawdown: TBFC -10.0% vs VYM -58.8%.
Should I hold both TBFC and VYM?
TBFC and VYM have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TBFC and VYM?
TBFC and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 585 unique securities.
Which pays a higher dividend, TBFC or VYM?
TBFC yields 2.99% while VYM yields 2.86%, so TBFC currently pays the higher dividend yield.
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