MFUL vs VYM
MFUL vs VYM
Mindful Conservative 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 | MFUL | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 1.48% | 0.04% | |
| AUM | $7M | $79.0B | |
| Dividend Yield | 2.40% | 2.86% | |
| Holdings | 18 | 568 | |
| YTD Return | +3.45% | +15.45% | |
| 1Y Return | +5.38% | +26.05% | |
| 3Y Return (annualized) | +4.87% | +17.96% | |
| 5Y Return (annualized) | - | +12.54% | |
| Volatility (annualized) | 4.9% | 14.6% | |
| Max Drawdown | -16.4% | -58.8% | |
| Fund Family | Mohr Funds | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 2, 2021 | Nov 10, 2006 |
MFUL vs VYM Performance
Mindful Conservative ETF (MFUL) is a ETF from Mohr Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year MFUL returned +5.38% while VYM returned +26.05%. Year to date, MFUL is up 3.45% versus a gain of 15.45% for VYM.
Over three years, MFUL compounded at +4.87% per year against +17.96% for VYM. Across the full 5-year window we track, VYM has the edge at +7.06% annualized vs +0.09%. 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 4.9% for MFUL. 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 -16.4% for MFUL 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MFUL charges 1.48% per year while VYM charges 0.04%. On a $10,000 position that is $148 vs $4 annually, a gap of $144 per year that compounds over a long holding period. On income, MFUL currently yields 2.40% against 2.86% for VYM.
Holdings Overlap
MFUL and VYM share 0 holdings out of 575 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, MFUL or VYM?
MFUL has an expense ratio of 1.48% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $144 per year of difference.
Which performed better, MFUL or VYM?
Over the past year MFUL returned +5.38% vs +26.05% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (5 years), MFUL annualized +0.09% vs +7.06% for VYM. Past performance does not guarantee future results.
Which is riskier, MFUL or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 4.9% for MFUL. Worst drawdown: MFUL -16.4% vs VYM -58.8%.
Should I hold both MFUL and VYM?
MFUL and VYM have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MFUL and VYM?
MFUL and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 575 unique securities.
Which pays a higher dividend, MFUL or VYM?
MFUL yields 2.40% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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