UMI vs VYM
USCF Midstream Energy Income ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. UMI delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | UMI | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.04% | |
| AUM | $509M | $81.6B | |
| Dividend Yield | 5.83% | 2.24% | |
| Holdings | 25 | 616 | |
| YTD Return | +26.38% | +16.42% | |
| 1Y Return | +30.33% | +24.22% | |
| 3Y Return (annualized) | +27.01% | +19.03% | |
| 5Y Return (annualized) | +23.18% | +12.21% | |
| Volatility (annualized) | 17.5% | 14.6% | |
| Max Drawdown | -20.1% | -58.8% | |
| Fund Family | USCF Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 24, 2021 | Nov 10, 2006 |
UMI vs VYM Performance
USCF Midstream Energy Income ETF (UMI) is a ETF from USCF Investments and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year UMI returned +30.33% while VYM returned +24.22%. Year to date, UMI is up 26.38% versus a gain of 16.42% for VYM.
Over three years, UMI compounded at +27.01% per year against +19.03% for VYM; over five years the annualized figures are +23.18% and +12.21% respectively. Across the full 5-year window we track, UMI has the edge at +24.31% annualized vs +7.10%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UMI has been the more volatile fund, with annualized monthly volatility of 17.5% compared with 14.6% for VYM. 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 -20.1% for UMI 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
UMI charges 0.69% per year while VYM charges 0.04%. On a $10,000 position that is $69 vs $4 annually, a gap of $65 per year that compounds over a long holding period. On income, UMI currently yields 5.83% against 2.24% for VYM.
Holdings Overlap
UMI and VYM share 6 holdings out of 620 unique holdings combined, representing a 1.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, UMI or VYM?
UMI has an expense ratio of 0.69% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $65 per year of difference.
Which performed better, UMI or VYM?
Over the past year UMI returned +30.33% vs +24.22% for VYM, so UMI leads on 1-year performance. Over the longest common window we track (5 years), UMI annualized +24.31% vs +7.10% for VYM. Past performance does not guarantee future results.
Which is riskier, UMI or VYM?
UMI has been the more volatile fund at 17.5% annualized versus 14.6% for VYM. Worst drawdown: UMI -20.1% vs VYM -58.8%.
Should I hold both UMI and VYM?
UMI and VYM have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UMI and VYM?
UMI and VYM share 6 common holdings with a 1.2% weight overlap. Combined, they hold 620 unique securities.
Which pays a higher dividend, UMI or VYM?
UMI yields 5.83% while VYM yields 2.24%, so UMI currently pays the higher dividend yield.
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