UCRD vs VYM
VictoryShares Corporate Bond ETF vs Vanguard High Dividend Yield ETF
Which is better, UCRD or VYM?
Long Term High Quality against Large Cap Value.
VYM has a lower expense ratio. VYM led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | UCRD | VYM |
|---|---|---|
| Expense Ratio | 0.40% | 0.04%Best |
| AUM | $148M | $81.6B |
| Dividend Yield | 4.34% | 2.22% |
| Holdings | 499 | 613 |
| YTD Return | -1.45% | +13.08%Best |
| 1Y Return | -1.32% | +17.46%Best |
| 3Y Return (annualized) | +5.25% | +17.73%Best |
| 5Y Return (annualized) | -0.19% | +12.22%Best |
| Volatility (annualized) | 8.4%Best | 13.7% |
| Max Drawdown | -22.1% | -15.8%Best |
| $10,000 over 5 years | $9,905 | $17,797Best |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Quality | Large Cap Value |
| Inception | Oct 4, 2021 | Nov 10, 2006 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 5, 2021 to Sep 14, 2026 (4.9 years).
UCRD vs VYM growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.9 years both funds cover.
UCRD vs VYM Performance
VictoryShares Corporate Bond ETF (UCRD) is an ETF from Victory Capital Management Inc. and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year UCRD returned -1.32% while VYM returned +17.46%. Year to date, UCRD is down 1.45% versus a gain of 13.08% for VYM.
Over three years, UCRD compounded at +5.25% per year against +17.73% for VYM; over five years the annualized figures are -0.19% and +12.22% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 8.4% for UCRD. 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 -22.1% for UCRD and -15.8% for VYM. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
UCRD charges 0.40% per year while VYM charges 0.04%. On a $10,000 position that is $40 vs $4 annually, a gap of $36 per year that compounds over a long holding period. On income, UCRD currently yields 4.34% against 2.22% for VYM.
Holdings Overlap
At least 0.3% of VYM's money is in holdings UCRD also owns.
Stated as a floor: for UCRD, our book for it covers 76.0% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
3 positions in common, counted across the 355 positions we hold weights for in UCRD and 557 in VYM, against full books of 499 and 613.
You are not choosing between two funds in isolation.
Whichever of UCRD and VYM you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, UCRD or VYM?
UCRD has an expense ratio of 0.40% while VYM charges 0.04%. VYM is the cheaper option, by $36 a year on a $10,000 investment.
Which performed better, UCRD or VYM?
Over the past year UCRD returned -1.32% vs +17.46% for VYM, so VYM leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UCRD or VYM?
VYM has been the more volatile fund at 13.7% annualized versus 8.4% for UCRD. Worst drawdown: UCRD -22.1% vs VYM -15.8%.
Should I hold both UCRD and VYM?
UCRD and VYM have a monthly-return correlation of 0.61, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, UCRD or VYM?
UCRD yields 4.34% while VYM yields 2.22%, so UCRD currently pays the higher dividend yield.
Is VYM better than UCRD?
VYM has a lower expense ratio. VYM led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.