CPAG vs VYM
CPAG vs VYM
F/m Compoundr US Aggregate Bond 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 | CPAG | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.31% | 0.04% | |
| AUM | $145M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 2 | 568 | |
| YTD Return | -0.33% | +15.57% | |
| 1Y Return | +1.84% | +25.99% | |
| 3Y Return (annualized) | - | +18.02% | |
| 5Y Return (annualized) | - | +12.71% | |
| Volatility (annualized) | 3.2% | 14.6% | |
| Max Drawdown | -2.8% | -58.8% | |
| Fund Family | F-m investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 12, 2025 | Nov 10, 2006 |
CPAG vs VYM Performance
F/m Compoundr US Aggregate Bond ETF (CPAG) is a ETF from F-m investments and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year CPAG returned +1.84% while VYM returned +25.99%. Year to date, CPAG is down 0.33% versus a gain of 15.57% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 3.2% for CPAG. 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 -2.8% for CPAG 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 0.45. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CPAG charges 0.31% per year while VYM charges 0.04%. On a $10,000 position that is $31 vs $4 annually, a gap of $27 per year that compounds over a long holding period. On income, CPAG currently yields 0.00% against 2.86% for VYM.
Holdings Overlap
CPAG and VYM 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, CPAG or VYM?
CPAG has an expense ratio of 0.31% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
Which performed better, CPAG or VYM?
Over the past year CPAG returned +1.84% vs +25.99% for VYM, so VYM leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, CPAG or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 3.2% for CPAG. Worst drawdown: CPAG -2.8% vs VYM -58.8%.
Should I hold both CPAG and VYM?
CPAG and VYM have a monthly-return correlation of 0.45, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CPAG and VYM?
CPAG and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 559 unique securities.
Which pays a higher dividend, CPAG or VYM?
CPAG yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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