THTA vs VYM
SoFi Enhanced Yield 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 | THTA | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.61% | 0.04% | |
| AUM | $54M | $79.0B | |
| Dividend Yield | 11.12% | 2.86% | |
| Holdings | 10 | 568 | |
| YTD Return | +9.55% | +15.80% | |
| 1Y Return | +16.29% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 13.4% | 14.6% | |
| Max Drawdown | -31.4% | -58.8% | |
| Fund Family | SoFi | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 15, 2023 | Nov 10, 2006 |
THTA vs VYM Performance
SoFi Enhanced Yield ETF (THTA) is a ETF from SoFi and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year THTA returned +16.29% while VYM returned +26.12%. Year to date, THTA is up 9.55% 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 13.4% for THTA. 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 -31.4% for THTA 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
THTA charges 0.61% per year while VYM charges 0.04%. On a $10,000 position that is $61 vs $4 annually, a gap of $57 per year that compounds over a long holding period. On income, THTA currently yields 11.12% against 2.86% for VYM.
Holdings Overlap
THTA and VYM share 0 holdings out of 563 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, THTA or VYM?
THTA has an expense ratio of 0.61% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $57 per year of difference.
Which performed better, THTA or VYM?
Over the past year THTA returned +16.29% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), THTA annualized +1.99% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, THTA or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 13.4% for THTA. Worst drawdown: THTA -31.4% vs VYM -58.8%.
Should I hold both THTA and VYM?
THTA and VYM have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between THTA and VYM?
THTA and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 563 unique securities.
Which pays a higher dividend, THTA or VYM?
THTA yields 11.12% while VYM yields 2.86%, so THTA currently pays the higher dividend yield.
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