UDI vs VYM
USCF Dividend Income Fund vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. UDI delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | UDI | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.04% | |
| AUM | $4M | $81.6B | |
| Dividend Yield | 2.56% | 2.24% | |
| Holdings | 43 | 616 | |
| YTD Return | +17.94% | +14.66% | |
| 1Y Return | +24.88% | +22.16% | |
| 3Y Return (annualized) | +18.57% | +18.72% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 13.3% | 14.6% | |
| Max Drawdown | -14.2% | -58.8% | |
| Fund Family | USCF Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 8, 2022 | Nov 10, 2006 |
UDI vs VYM Performance
USCF Dividend Income Fund (UDI) is a ETF from USCF Investments and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year UDI returned +24.88% while VYM returned +22.16%. Year to date, UDI is up 17.94% versus a gain of 14.66% for VYM.
Over three years, UDI compounded at +18.57% per year against +18.72% for VYM. Across the full 4-year window we track, UDI has the edge at +14.06% annualized vs +7.01%. 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 13.3% for UDI. 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 -14.2% for UDI 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
UDI charges 0.65% per year while VYM charges 0.04%. On a $10,000 position that is $65 vs $4 annually, a gap of $61 per year that compounds over a long holding period. On income, UDI currently yields 2.56% against 2.24% for VYM.
Holdings Overlap
UDI and VYM share 30 holdings out of 614 unique holdings combined, representing a 3.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, UDI or VYM?
UDI has an expense ratio of 0.65% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $61 per year of difference.
Which performed better, UDI or VYM?
Over the past year UDI returned +24.88% vs +22.16% for VYM, so UDI leads on 1-year performance. Over the longest common window we track (4 years), UDI annualized +14.06% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, UDI or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 13.3% for UDI. Worst drawdown: UDI -14.2% vs VYM -58.8%.
Should I hold both UDI and VYM?
UDI and VYM have a monthly-return correlation of 0.95, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between UDI and VYM?
UDI and VYM share 30 common holdings with a 3.9% weight overlap. Combined, they hold 614 unique securities.
Which pays a higher dividend, UDI or VYM?
UDI yields 2.56% while VYM yields 2.24%, so UDI currently pays the higher dividend yield.
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