ILCB vs VYM

Quick Verdict

ILCB has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.

Lower Fees: ILCBHigher Returns: VYMMore Diversified: VYM

Side-by-Side Comparison

MetricILCBVYMWinner
Expense Ratio0.03%0.04%
AUM$1.3B$79.0B
Dividend Yield0.98%2.86%
Holdings533568
YTD Return+11.53%+13.82%
1Y Return+21.15%+24.08%
3Y Return (annualized)+20.97%+17.72%
5Y Return (annualized)+12.47%+12.13%
Volatility (annualized)14.7%14.6%
Max Drawdown-52.8%-58.8%
Fund FamilyiShares by BlackRock (US)Vanguard (US)
CategoryEquityEquity
InceptionJun 28, 2004Nov 10, 2006

ILCB vs VYM Performance

iShares Morningstar US Equity ETF (ILCB) is a ETF from iShares by BlackRock (US) and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year ILCB returned +21.15% while VYM returned +24.08%. Year to date, ILCB is up 11.53% versus a gain of 13.82% for VYM.

Over three years, ILCB compounded at +20.97% per year against +17.72% for VYM; over five years the annualized figures are +12.47% and +12.13% respectively. Across the full 20-year window we track, ILCB has the edge at +9.61% annualized vs +6.98%. Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

ILCB has been the more volatile fund, with annualized monthly volatility of 14.7% compared with 14.6% for VYM. 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 -52.8% for ILCB 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 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.

Fees and Cost Over Time

ILCB charges 0.03% per year while VYM charges 0.04%. On a $10,000 position that is $3 vs $4 annually, a gap of $1 per year that compounds over a long holding period. On income, ILCB currently yields 0.98% against 2.86% for VYM.

Holdings Overlap

32.4%overlap

ILCB and VYM share 208 holdings out of 849 unique holdings combined, representing a 32.4% weight overlap.

Moderate overlap means holding both could provide meaningful diversification benefits.

Top Shared Holdings

StockWeight in ILCBWeight in VYMDifference
AVGO2.64%6.47%3.83%
JPM1.38%3.36%1.98%
XOM0.86%2.83%1.97%
JNJProProPro
WMTProProPro
ABBVProProPro
PGProProPro
CATProProPro
HDProProPro
CSCOProProPro
See all 10 holdings ILCB shares with VYM
Exact weights in each fund and the difference, for every overlapping position.
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Frequently Asked Questions

Which is cheaper, ILCB or VYM?

ILCB has an expense ratio of 0.03% while VYM charges 0.04%. ILCB is the cheaper option. On a $10,000 investment, that is $1 per year of difference.

Which performed better, ILCB or VYM?

Over the past year ILCB returned +21.15% vs +24.08% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (20 years), ILCB annualized +9.61% vs +6.98% for VYM. Past performance does not guarantee future results.

Which is riskier, ILCB or VYM?

ILCB has been the more volatile fund at 14.7% annualized versus 14.6% for VYM. Worst drawdown: ILCB -52.8% vs VYM -58.8%.

Should I hold both ILCB and VYM?

ILCB and VYM have a monthly-return correlation of 0.91, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.

What is the holdings overlap between ILCB and VYM?

ILCB and VYM share 208 common holdings with a 32.4% weight overlap. Combined, they hold 849 unique securities.

Which pays a higher dividend, ILCB or VYM?

ILCB yields 0.98% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.

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