UTWY vs VYM
F/m US Treasury 20 Year Bond ETF vs Vanguard High Dividend Yield ETF
Which is better, UTWY or VYM?
Long Term High Yield Bond 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 | UTWY | VYM |
|---|---|---|
| Expense Ratio | 0.15% | 0.04%Best |
| AUM | $8M | $81.6B |
| Dividend Yield | 5.24% | 2.22% |
| Holdings | 2 | 613 |
| YTD Return | -3.95% | +13.15%Best |
| 1Y Return | -4.74% | +17.82%Best |
| 3Y Return (annualized) | +0.70% | +17.99%Best |
| 5Y Return (annualized) | - | +12.16% |
| Volatility (annualized) | 10.6%Best | 11.3% |
| Max Drawdown | -18.2% | -14.5%Best |
| $10,000 over 3.5 years | $9,485 | $17,366Best |
| Fund Family | US Benchmark Series | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Long Term High Yield Bond | 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 10, 2026 (3.5 years).
UTWY 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.
UTWY vs VYM Performance
F/m US Treasury 20 Year Bond ETF (UTWY) is an ETF from US Benchmark Series and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year UTWY returned -4.74% while VYM returned +17.82%. Year to date, UTWY is down 3.95% versus a gain of 13.15% for VYM.
Over three years, UTWY compounded at +0.70% per year against +17.99% for VYM. Across the full 4-year window we track, VYM has the edge at +17.08% annualized vs -1.50%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 11.3% compared with 10.6% 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 -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 0.62. They move together some of the time, and apart the rest.
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 5.24% against 2.22% for VYM.
You are not choosing between two funds in isolation.
Whichever of UTWY 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, UTWY or VYM?
UTWY 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, UTWY or VYM?
Over the past year UTWY returned -4.74% vs +17.82% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (4 years), UTWY annualized -1.50% vs +17.08% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UTWY or VYM?
VYM has been the more volatile fund at 11.3% annualized versus 10.6% for UTWY. Worst drawdown: UTWY -18.2% vs VYM -14.5%.
Should I hold both UTWY and VYM?
UTWY and VYM have a monthly-return correlation of 0.62, 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, UTWY or VYM?
UTWY yields 5.24% while VYM yields 2.22%, so UTWY currently pays the higher dividend yield.
Is VYM better than UTWY?
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.