UTEN vs VYM
F/m US Treasury 10 Year Note 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 | UTEN | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.04% | |
| AUM | $289M | $79.0B | |
| Dividend Yield | 4.39% | 2.86% | |
| Holdings | 2 | 568 | |
| YTD Return | -1.27% | +16.53% | |
| 1Y Return | +1.19% | +25.03% | |
| 3Y Return (annualized) | +2.78% | +18.54% | |
| 5Y Return (annualized) | - | +12.25% | |
| Volatility (annualized) | 7.7% | 14.6% | |
| Max Drawdown | -13.4% | -58.8% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 8, 2022 | Nov 10, 2006 |
UTEN vs VYM Performance
F/m US Treasury 10 Year Note ETF (UTEN) is a ETF from US Benchmark Series and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year UTEN returned +1.19% while VYM returned +25.03%. Year to date, UTEN is down 1.27% versus a gain of 16.53% for VYM.
Over three years, UTEN compounded at +2.78% per year against +18.54% for VYM. Across the full 4-year window we track, VYM has the edge at +7.10% annualized vs -0.13%. 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 7.7% for UTEN. 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 -13.4% for UTEN 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
UTEN 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, UTEN currently yields 4.39% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, UTEN or VYM?
UTEN 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, UTEN or VYM?
Over the past year UTEN returned +1.19% vs +25.03% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), UTEN annualized -0.13% vs +7.10% for VYM. Past performance does not guarantee future results.
Which is riskier, UTEN or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 7.7% for UTEN. Worst drawdown: UTEN -13.4% vs VYM -58.8%.
Should I hold both UTEN and VYM?
UTEN and VYM have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, UTEN or VYM?
UTEN yields 4.39% while VYM yields 2.86%, so UTEN currently pays the higher dividend yield.
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