VYM vs XRLX
Vanguard High Dividend Yield ETF vs FundX Conservative ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | VYM | XRLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 1.20% | |
| AUM | $81.6B | $50M | |
| Dividend Yield | 2.24% | 2.65% | |
| Holdings | 616 | 22 | |
| YTD Return | +16.42% | +7.66% | |
| 1Y Return | +24.22% | +11.79% | |
| 3Y Return (annualized) | +19.03% | - | |
| 5Y Return (annualized) | +12.21% | - | |
| Volatility (annualized) | 14.6% | 9.1% | |
| Max Drawdown | -58.8% | -15.3% | |
| Fund Family | Vanguard (US) | Fund X | |
| Category | Equity | Allocation/Balanced | |
| Inception | Nov 10, 2006 | Oct 10, 2023 |
VYM vs XRLX Performance
Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US) and FundX Conservative ETF (XRLX) is a ETF from Fund X. Over the past year VYM returned +24.22% while XRLX returned +11.79%. Year to date, VYM is up 16.42% versus a gain of 7.66% for XRLX.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 9.1% for XRLX. 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 -58.8% for VYM and -15.3% for XRLX. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
VYM charges 0.04% per year while XRLX charges 1.20%. On a $10,000 position that is $4 vs $120 annually, a gap of $116 per year that compounds over a long holding period. On income, VYM currently yields 2.24% against 2.65% for XRLX.
Holdings Overlap
VYM and XRLX share 0 holdings out of 623 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, VYM or XRLX?
VYM has an expense ratio of 0.04% while XRLX charges 1.20%. VYM is the cheaper option. On a $10,000 investment, that is $116 per year of difference.
Which performed better, VYM or XRLX?
Over the past year VYM returned +24.22% vs +11.79% for XRLX, so VYM leads on 1-year performance. Over the longest common window we track (3 years), VYM annualized +7.10% vs +14.34% for XRLX. Past performance does not guarantee future results.
Which is riskier, VYM or XRLX?
VYM has been the more volatile fund at 14.6% annualized versus 9.1% for XRLX. Worst drawdown: VYM -58.8% vs XRLX -15.3%.
Should I hold both VYM and XRLX?
VYM and XRLX have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VYM and XRLX?
VYM and XRLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 623 unique securities.
Which pays a higher dividend, VYM or XRLX?
VYM yields 2.24% while XRLX yields 2.65%, so XRLX currently pays the higher dividend yield.
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