TOCT vs VYM
Innovator Equity Defined Protection ETF - 2 Yr to October 2027 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 613 holdings.
Side-by-Side Comparison
| Metric | TOCT | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.04% | |
| AUM | $14M | $81.6B | |
| Dividend Yield | 0.00% | 2.24% | |
| Holdings | 5 | 613 | |
| YTD Return | +3.08% | +14.87% | |
| 1Y Return | +3.43% | +21.39% | |
| 3Y Return (annualized) | - | +18.69% | |
| 5Y Return (annualized) | - | +11.98% | |
| Volatility (annualized) | - | 14.5% | |
| Max Drawdown | -2.0% | -58.8% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Oct 1, 2025 | Nov 10, 2006 |
TOCT vs VYM Performance
Innovator Equity Defined Protection ETF - 2 Yr to October 2027 (TOCT) is a ETF from Innovator ETFs Trust and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TOCT returned +3.43% while VYM returned +21.39%. Year to date, TOCT is up 3.08% versus a gain of 14.87% for VYM.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.0% for TOCT and -58.8% for VYM. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
TOCT charges 0.79% per year while VYM charges 0.04%. On a $10,000 position that is $79 vs $4 annually, a gap of $75 per year that compounds over a long holding period. On income, TOCT currently yields 0.00% against 2.24% for VYM.
Frequently Asked Questions
Which is cheaper, TOCT or VYM?
TOCT has an expense ratio of 0.79% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $75 per year of difference.
Which performed better, TOCT or VYM?
Over the past year TOCT returned +3.43% vs +21.39% for VYM, so VYM leads on 1-year performance. Past performance does not guarantee future results.
Which pays a higher dividend, TOCT or VYM?
TOCT yields 0.00% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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