USIN vs VYM
WisdomTree 7-10 Year Laddered Treasury Fund ETF 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 558 holdings.
Side-by-Side Comparison
| Metric | USIN | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.04% | |
| AUM | $4M | $79.0B | |
| Dividend Yield | 3.99% | 2.86% | |
| Holdings | 14 | 568 | |
| YTD Return | -1.06% | +16.53% | |
| 1Y Return | +1.27% | +25.03% | |
| 3Y Return (annualized) | - | +18.54% | |
| 5Y Return (annualized) | - | +12.25% | |
| Volatility (annualized) | 5.6% | 14.6% | |
| Max Drawdown | -6.2% | -58.8% | |
| Fund Family | WisdomTree Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 14, 2024 | Nov 10, 2006 |
USIN vs VYM Performance
WisdomTree 7-10 Year Laddered Treasury Fund ETF (USIN) is a ETF from WisdomTree Investments and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year USIN returned +1.27% while VYM returned +25.03%. Year to date, USIN is down 1.06% versus a gain of 16.53% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 5.6% for USIN. 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 -6.2% for USIN 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 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
USIN charges 0.15% per year while VYM charges 0.04%. On a $10,000 position that is $15 vs $4 annually, a gap of $11 per year that compounds over a long holding period. On income, USIN currently yields 3.99% against 2.86% for VYM.
Holdings Overlap
USIN and VYM share 0 holdings out of 559 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, USIN or VYM?
USIN has an expense ratio of 0.15% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $11 per year of difference.
Which performed better, USIN or VYM?
Over the past year USIN returned +1.27% vs +25.03% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), USIN annualized +3.72% vs +7.10% for VYM. Past performance does not guarantee future results.
Which is riskier, USIN or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 5.6% for USIN. Worst drawdown: USIN -6.2% vs VYM -58.8%.
Should I hold both USIN and VYM?
USIN and VYM have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between USIN and VYM?
USIN and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 559 unique securities.
Which pays a higher dividend, USIN or VYM?
USIN yields 3.99% while VYM yields 2.86%, so USIN currently pays the higher dividend yield.
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