USVN vs VYM
F/m US Treasury 7 Year Note ETF vs Vanguard High Dividend Yield ETF
Which is better, USVN or VYM?
Long Term High Quality against Large Cap Value.
VYM has a lower expense ratio. VYM led over 1Y, 3Y 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 | USVN | VYM |
|---|---|---|
| Expense Ratio | 0.15% | 0.04%Best |
| AUM | $7M | $81.6B |
| Dividend Yield | 4.21% | 2.22% |
| Holdings | 2 | 613 |
| YTD Return | -2.75% | +11.35%Best |
| 1Y Return | -2.11% | +15.34%Best |
| 3Y Return (annualized) | +3.52% | +17.22%Best |
| 5Y Return (annualized) | - | +12.30% |
| Volatility (annualized) | 5.5%Best | 11.4% |
| Max Drawdown | -8.3%Best | -14.5% |
| $10,000 over 3.5 years | $10,677 | $17,025Best |
| Fund Family | US Benchmark Series | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Quality | Large Cap Value |
| Inception | Mar 28, 2023 | Nov 10, 2006 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.5 years row, are measured over the window both funds cover: Mar 28, 2023 to Sep 18, 2026 (3.5 years).
USVN 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 3.5 years both funds cover.
USVN vs VYM Performance
F/m US Treasury 7 Year Note ETF (USVN) is an ETF from US Benchmark Series and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year USVN returned -2.11% while VYM returned +15.34%. Year to date, USVN is down 2.75% versus a gain of 11.35% for VYM.
Over three years, USVN compounded at +3.52% per year against +17.22% for VYM. Across the full 4-year window we track, VYM has the edge at +16.42% annualized vs +1.89%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 11.4% compared with 5.5% for USVN. 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 -8.3% for USVN and -14.5% 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 0.54. They move together some of the time, and apart the rest.
Fees and Cost Over Time
USVN 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, USVN currently yields 4.21% against 2.22% for VYM.
You are not choosing between two funds in isolation.
Whichever of USVN 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, USVN or VYM?
USVN has an expense ratio of 0.15% while VYM charges 0.04%. VYM is the cheaper option, by $11 a year on a $10,000 investment.
Which performed better, USVN or VYM?
Over the past year USVN returned -2.11% vs +15.34% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), USVN annualized +1.89% vs +16.42% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, USVN or VYM?
VYM has been the more volatile fund at 11.4% annualized versus 5.5% for USVN. Worst drawdown: USVN -8.3% vs VYM -14.5%.
Should I hold both USVN and VYM?
USVN and VYM have a monthly-return correlation of 0.54, 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, USVN or VYM?
USVN yields 4.21% while VYM yields 2.22%, so USVN currently pays the higher dividend yield.
Is VYM better than USVN?
VYM has a lower expense ratio. VYM led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.