VYM vs ZTOP
Vanguard High Dividend Yield ETF vs F/m High Yield 100 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 | ZTOP | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.39% | |
| AUM | $81.6B | $16M | |
| Dividend Yield | 2.24% | 6.30% | |
| Holdings | 616 | 102 | |
| YTD Return | +14.66% | +1.68% | |
| 1Y Return | +22.16% | +4.57% | |
| 3Y Return (annualized) | +18.72% | - | |
| 5Y Return (annualized) | +12.18% | - | |
| Volatility (annualized) | 14.6% | 2.8% | |
| Max Drawdown | -58.8% | -2.5% | |
| Fund Family | Vanguard (US) | F-m investments | |
| Category | Equity | Fixed Income | |
| Inception | Nov 10, 2006 | Apr 14, 2025 |
VYM vs ZTOP Performance
Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US) and F/m High Yield 100 ETF (ZTOP) is a ETF from F-m investments. Over the past year VYM returned +22.16% while ZTOP returned +4.57%. Year to date, VYM is up 14.66% versus a gain of 1.68% for ZTOP.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 2.8% for ZTOP. 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 -2.5% for ZTOP. 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VYM charges 0.04% per year while ZTOP charges 0.39%. On a $10,000 position that is $4 vs $39 annually, a gap of $35 per year that compounds over a long holding period. On income, VYM currently yields 2.24% against 6.30% for ZTOP.
Holdings Overlap
VYM and ZTOP share 0 holdings out of 680 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 ZTOP?
VYM has an expense ratio of 0.04% while ZTOP charges 0.39%. VYM is the cheaper option. On a $10,000 investment, that is $35 per year of difference.
Which performed better, VYM or ZTOP?
Over the past year VYM returned +22.16% vs +4.57% for ZTOP, so VYM leads on 1-year performance. Over the longest common window we track (1 years), VYM annualized +7.01% vs +7.74% for ZTOP. Past performance does not guarantee future results.
Which is riskier, VYM or ZTOP?
VYM has been the more volatile fund at 14.6% annualized versus 2.8% for ZTOP. Worst drawdown: VYM -58.8% vs ZTOP -2.5%.
Should I hold both VYM and ZTOP?
VYM and ZTOP have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VYM and ZTOP?
VYM and ZTOP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 680 unique securities.
Which pays a higher dividend, VYM or ZTOP?
VYM yields 2.24% while ZTOP yields 6.30%, so ZTOP currently pays the higher dividend yield.
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