UAPR vs VYM
Innovator US Equity Ultra Buffer ETF - April 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 616 holdings.
Side-by-Side Comparison
| Metric | UAPR | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.04% | |
| AUM | $159M | $81.6B | |
| Dividend Yield | 0.00% | 2.24% | |
| Holdings | 8 | 616 | |
| YTD Return | +8.53% | +14.66% | |
| 1Y Return | +12.24% | +22.16% | |
| 3Y Return (annualized) | +11.08% | +18.72% | |
| 5Y Return (annualized) | +6.62% | +12.18% | |
| Volatility (annualized) | 6.2% | 14.6% | |
| Max Drawdown | -14.6% | -58.8% | |
| Fund Family | Innovator ETFs Trust | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 1, 2019 | Nov 10, 2006 |
UAPR vs VYM Performance
Innovator US Equity Ultra Buffer ETF - April (UAPR) is a ETF from Innovator ETFs Trust and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year UAPR returned +12.24% while VYM returned +22.16%. Year to date, UAPR is up 8.53% versus a gain of 14.66% for VYM.
Over three years, UAPR compounded at +11.08% per year against +18.72% for VYM; over five years the annualized figures are +6.62% and +12.18% respectively. Across the full 7-year window we track, VYM has the edge at +7.01% annualized vs +5.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 6.2% for UAPR. 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 -14.6% for UAPR 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UAPR 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, UAPR currently yields 0.00% against 2.24% for VYM.
Holdings Overlap
UAPR and VYM share 0 holdings out of 604 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, UAPR or VYM?
UAPR 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, UAPR or VYM?
Over the past year UAPR returned +12.24% vs +22.16% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (7 years), UAPR annualized +5.10% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, UAPR or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 6.2% for UAPR. Worst drawdown: UAPR -14.6% vs VYM -58.8%.
Should I hold both UAPR and VYM?
UAPR and VYM have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UAPR and VYM?
UAPR and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 604 unique securities.
Which pays a higher dividend, UAPR or VYM?
UAPR yields 0.00% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
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