BINC vs VYM
BINC vs VYM
iShares Flexible Income Active ETF vs Vanguard High Dividend Yield ETF
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 | BINC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.04% | |
| AUM | $16.1B | $79.0B | |
| Dividend Yield | 5.84% | 2.86% | |
| Holdings | 4,738 | 568 | |
| YTD Return | +1.07% | +15.45% | |
| 1Y Return | +3.87% | +26.05% | |
| 3Y Return (annualized) | +6.69% | +17.96% | |
| 5Y Return (annualized) | - | +12.54% | |
| Volatility (annualized) | 3.2% | 14.6% | |
| Max Drawdown | -2.7% | -58.8% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 19, 2023 | Nov 10, 2006 |
BINC vs VYM Performance
iShares Flexible Income Active ETF (BINC) is a ETF from BlackRock, Inc. (US) and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year BINC returned +3.87% while VYM returned +26.05%. Year to date, BINC is up 1.07% versus a gain of 15.45% for VYM.
Over three years, BINC compounded at +6.69% per year against +17.96% for VYM. Across the full 3-year window we track, VYM has the edge at +7.06% annualized vs +6.72%. 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 3.2% for BINC. 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 -2.7% for BINC and -58.8% for VYM. 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 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BINC charges 0.40% per year while VYM charges 0.04%. On a $10,000 position that is $40 vs $4 annually, a gap of $36 per year that compounds over a long holding period. On income, BINC currently yields 5.84% against 2.86% for VYM.
Holdings Overlap
BINC and VYM share 0 holdings out of 914 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, BINC or VYM?
BINC has an expense ratio of 0.40% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, BINC or VYM?
Over the past year BINC returned +3.87% vs +26.05% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), BINC annualized +6.72% vs +7.06% for VYM. Past performance does not guarantee future results.
Which is riskier, BINC or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 3.2% for BINC. Worst drawdown: BINC -2.7% vs VYM -58.8%.
Should I hold both BINC and VYM?
BINC and VYM have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BINC and VYM?
BINC and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 914 unique securities.
Which pays a higher dividend, BINC or VYM?
BINC yields 5.84% while VYM yields 2.86%, so BINC currently pays the higher dividend yield.
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