VLLU vs VYM

VLLU vs VYM

Which is better, VLLU or VYM?

VYM has been ahead.

VYM has a lower expense ratio. VYM led over 1Y and the full window. VYM is less concentrated, with 25.9% of the fund in its ten largest positions against 37.4%.

Lower Fees: VYMHigher Returns: VYMLess Concentrated: VYM

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

MetricVLLUVYM
Expense Ratio0.25%0.04%Best
AUM$5M$81.6B
Dividend Yield1.35%2.24%
Holdings75613
Volatility (annualized)10.7%10.5%Best
Max Drawdown-16.6%-14.5%Best
$10,000 over 2 years$13,865$13,915Best
Top 10 Weight37.4%25.9%Best
Fund FamilyHarbor FundsVanguard (US)
CategoryEquityEquity
StyleLarge Cap ValueLarge Cap Value
InceptionSep 3, 2024Nov 10, 2006

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).

The two price series end 11 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. VLLU has data through Aug 28, 2026 and VYM through Sep 8, 2026.

Volatility and max drawdown, and the $10,000 over 2 years row, are measured over the window both funds cover: Sep 5, 2024 to Aug 28, 2026 (2 years).

Risk: Volatility and Drawdowns

VLLU has been the more volatile fund, with annualized monthly volatility of 10.7% compared with 10.5% for VYM. 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 -16.6% for VLLU 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 0.85. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

VLLU charges 0.25% per year while VYM charges 0.04%. On a $10,000 position that is $25 vs $4 annually, a gap of $21 per year that compounds over a long holding period. On income, VLLU currently yields 1.35% against 2.24% for VYM.

Holdings Overlap

VLLU already in VYM55.3%
VYM already in VLLU32.4%

55.3% of VLLU's money is in holdings VYM also owns. 32.4% of VYM's money is in holdings VLLU also owns.

The two portfolios partly overlap.

47 positions in common, counted across the 74 positions we hold weights for in VLLU and 602 in VYM, against full books of 75 and 613.

What only one of them owns

Our book lists 522 positions for VYM that do not appear in our book for VLLU (64.8% of the fund), and 24 for VLLU that do not appear in VYM (42.7%).

Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.

Top Shared Holdings

StockWeight in VLLUWeight in VYMDifference
JNJJohnson & Johnson - Common4.75%2.54%2.21%
BACBank Of America Corp Preferred Stock 6.53.30%1.56%1.74%
JPMJpmorgan Chase & Co.0.58%3.38%2.80%
CCitigroup, Inc.3.01%0.94%2.07%
BKBank Of New York Mellon Corp/The Bk Us Equity3.39%0.41%2.98%
SEICSei Investments Co.3.42%0.04%3.38%
GDGeneral Dynamics Corp.2.85%0.38%2.47%
MOAltria Group Inc.2.63%0.50%2.13%
XOMExxon Mobil Corp0.68%2.36%1.68%
SYFSynchrony Financial2.85%0.11%2.74%

55.3% of VLLU is already inside VYM.

You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.

VLLUVYM

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Frequently Asked Questions

Which is cheaper, VLLU or VYM?

VLLU has an expense ratio of 0.25% while VYM charges 0.04%. VYM is the cheaper option, by $21 a year on a $10,000 investment.

Which is riskier, VLLU or VYM?

VLLU has been the more volatile fund at 10.7% annualized versus 10.5% for VYM. Worst drawdown: VLLU -16.6% vs VYM -14.5%.

Should I hold both VLLU and VYM?

VLLU and VYM have a monthly-return correlation of 0.85, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

What is the holdings overlap between VLLU and VYM?

55.3% of VLLU's money is in holdings VYM also owns. 32.4% of VYM's is in holdings VLLU also owns. They hold 47 positions in common, counted across the 74 positions we hold weights for in VLLU and 602 in VYM.

Which pays a higher dividend, VLLU or VYM?

VLLU yields 1.35% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.

Is VYM better than VLLU?

VYM has a lower expense ratio. VYM led over 1Y and the full window. VYM is less concentrated, with 25.9% of the fund in its ten largest positions against 37.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.