CGUI vs VYM
CGUI vs VYM
Capital Group Ultra Short Income 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 | CGUI | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.04% | |
| AUM | $318M | $79.0B | |
| Dividend Yield | 3.83% | 2.86% | |
| Holdings | 330 | 568 | |
| YTD Return | +2.20% | +15.80% | |
| 1Y Return | +4.02% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 0.5% | 14.6% | |
| Max Drawdown | -0.2% | -58.8% | |
| Fund Family | Capital Group (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 25, 2024 | Nov 10, 2006 |
CGUI vs VYM Performance
Capital Group Ultra Short Income ETF (CGUI) is a ETF from Capital Group (US) and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year CGUI returned +4.02% while VYM returned +26.12%. Year to date, CGUI is up 2.20% versus a gain of 15.80% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 0.5% for CGUI. 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 -0.2% for CGUI 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 0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CGUI charges 0.18% per year while VYM charges 0.04%. On a $10,000 position that is $18 vs $4 annually, a gap of $14 per year that compounds over a long holding period. On income, CGUI currently yields 3.83% against 2.86% for VYM.
Holdings Overlap
CGUI and VYM share 0 holdings out of 728 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, CGUI or VYM?
CGUI has an expense ratio of 0.18% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, CGUI or VYM?
Over the past year CGUI returned +4.02% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), CGUI annualized +4.88% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, CGUI or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 0.5% for CGUI. Worst drawdown: CGUI -0.2% vs VYM -58.8%.
Should I hold both CGUI and VYM?
CGUI and VYM have a monthly-return correlation of 0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CGUI and VYM?
CGUI and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 728 unique securities.
Which pays a higher dividend, CGUI or VYM?
CGUI yields 3.83% while VYM yields 2.86%, so CGUI currently pays the higher dividend yield.
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