TIPC vs VYM
TIPC vs VYM
Northern Trust 2045 Inflation-Linked Distributing Ladder 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 | TIPC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.04% | |
| AUM | $3M | $79.0B | |
| Dividend Yield | 4.02% | 2.86% | |
| Holdings | 17 | 568 | |
| YTD Return | -0.59% | +15.80% | |
| 1Y Return | +1.15% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 3.8% | 14.6% | |
| Max Drawdown | -3.0% | -58.8% | |
| Fund Family | Northern Trust Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 1, 2025 | Nov 10, 2006 |
TIPC vs VYM Performance
Northern Trust 2045 Inflation-Linked Distributing Ladder ETF (TIPC) is a ETF from Northern Trust Asset Management and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TIPC returned +1.15% while VYM returned +26.12%. Year to date, TIPC is down 0.59% 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 3.8% for TIPC. 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 -3.0% for TIPC 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
TIPC charges 0.10% per year while VYM charges 0.04%. On a $10,000 position that is $10 vs $4 annually, a gap of $6 per year that compounds over a long holding period. On income, TIPC currently yields 4.02% against 2.86% for VYM.
Holdings Overlap
TIPC and VYM share 0 holdings out of 572 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, TIPC or VYM?
TIPC has an expense ratio of 0.10% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, TIPC or VYM?
Over the past year TIPC returned +1.15% vs +26.12% for VYM, so VYM leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, TIPC or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 3.8% for TIPC. Worst drawdown: TIPC -3.0% vs VYM -58.8%.
Should I hold both TIPC and VYM?
TIPC 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 TIPC and VYM?
TIPC and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 572 unique securities.
Which pays a higher dividend, TIPC or VYM?
TIPC yields 4.02% while VYM yields 2.86%, so TIPC currently pays the higher dividend yield.
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