VYM vs XTAP
VYM vs XTAP
Vanguard High Dividend Yield ETF vs Innovator US Equity Accelerated Plus ETF - April
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 | VYM | XTAP | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.79% | |
| AUM | $79.0B | $23M | |
| Dividend Yield | 2.86% | 0.00% | |
| Holdings | 568 | 7 | |
| YTD Return | +15.80% | +13.64% | |
| 1Y Return | +26.12% | +19.34% | |
| 3Y Return (annualized) | +18.25% | +17.46% | |
| 5Y Return (annualized) | +12.51% | +10.88% | |
| Volatility (annualized) | 14.6% | 12.8% | |
| Max Drawdown | -58.8% | -22.1% | |
| Fund Family | Vanguard (US) | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | Nov 10, 2006 | Mar 31, 2021 |
VYM vs XTAP Performance
Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US) and Innovator US Equity Accelerated Plus ETF - April (XTAP) is a ETF from Innovator ETFs Trust. Over the past year VYM returned +26.12% while XTAP returned +19.34%. Year to date, VYM is up 15.80% versus a gain of 13.64% for XTAP.
Over three years, VYM compounded at +18.25% per year against +17.46% for XTAP; over five years the annualized figures are +12.51% and +10.88% respectively. Across the full 5-year window we track, XTAP has the edge at +11.61% annualized vs +7.07%. 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 12.8% for XTAP. 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 -22.1% for XTAP. 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VYM charges 0.04% per year while XTAP charges 0.79%. On a $10,000 position that is $4 vs $79 annually, a gap of $75 per year that compounds over a long holding period. On income, VYM currently yields 2.86% against 0.00% for XTAP.
Holdings Overlap
VYM and XTAP share 0 holdings out of 559 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 XTAP?
VYM has an expense ratio of 0.04% while XTAP charges 0.79%. VYM is the cheaper option. On a $10,000 investment, that is $75 per year of difference.
Which performed better, VYM or XTAP?
Over the past year VYM returned +26.12% vs +19.34% for XTAP, so VYM leads on 1-year performance. Over the longest common window we track (5 years), VYM annualized +7.07% vs +11.61% for XTAP. Past performance does not guarantee future results.
Which is riskier, VYM or XTAP?
VYM has been the more volatile fund at 14.6% annualized versus 12.8% for XTAP. Worst drawdown: VYM -58.8% vs XTAP -22.1%.
Should I hold both VYM and XTAP?
VYM and XTAP have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VYM and XTAP?
VYM and XTAP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 559 unique securities.
Which pays a higher dividend, VYM or XTAP?
VYM yields 2.86% while XTAP yields 0.00%, so VYM currently pays the higher dividend yield.
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