UTWY vs VYM
F/m US Treasury 20 Year Bond 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 568 holdings.
Side-by-Side Comparison
| Metric | UTWY | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.04% | |
| AUM | $8M | $79.0B | |
| Dividend Yield | 5.07% | 2.86% | |
| Holdings | 2 | 568 | |
| YTD Return | -2.16% | +16.78% | |
| 1Y Return | -0.63% | +24.43% | |
| 3Y Return (annualized) | +0.94% | +18.60% | |
| 5Y Return (annualized) | - | +12.30% | |
| Volatility (annualized) | 10.7% | 14.6% | |
| Max Drawdown | -18.2% | -58.8% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Mar 28, 2023 | Nov 10, 2006 |
UTWY vs VYM Performance
F/m US Treasury 20 Year Bond ETF (UTWY) is a ETF from US Benchmark Series and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year UTWY returned -0.63% while VYM returned +24.43%. Year to date, UTWY is down 2.16% versus a gain of 16.78% for VYM.
Over three years, UTWY compounded at +0.94% per year against +18.60% for VYM. Across the full 3-year window we track, VYM has the edge at +7.11% annualized vs -1.00%. 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 10.7% for UTWY. 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 -18.2% for UTWY 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UTWY 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, UTWY currently yields 5.07% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, UTWY or VYM?
UTWY 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, UTWY or VYM?
Over the past year UTWY returned -0.63% vs +24.43% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), UTWY annualized -1.00% vs +7.11% for VYM. Past performance does not guarantee future results.
Which is riskier, UTWY or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 10.7% for UTWY. Worst drawdown: UTWY -18.2% vs VYM -58.8%.
Should I hold both UTWY and VYM?
UTWY and VYM have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, UTWY or VYM?
UTWY yields 5.07% while VYM yields 2.86%, so UTWY currently pays the higher dividend yield.
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