RULE vs VYM
RULE vs VYM
Adaptive Core ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. RULE delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | RULE | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 1.84% | 0.04% | |
| AUM | $15M | $79.0B | |
| Dividend Yield | 0.00% | 2.86% | |
| Holdings | 36 | 568 | |
| YTD Return | +30.34% | +15.45% | |
| 1Y Return | +34.62% | +26.05% | |
| 3Y Return (annualized) | +15.83% | +17.96% | |
| 5Y Return (annualized) | - | +12.54% | |
| Volatility (annualized) | 17.9% | 14.6% | |
| Max Drawdown | -30.5% | -58.8% | |
| Fund Family | Mohr Funds | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 2, 2021 | Nov 10, 2006 |
RULE vs VYM Performance
Adaptive Core ETF (RULE) is a ETF from Mohr Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year RULE returned +34.62% while VYM returned +26.05%. Year to date, RULE is up 30.34% versus a gain of 15.45% for VYM.
Over three years, RULE compounded at +15.83% per year against +17.96% for VYM. Across the full 5-year window we track, VYM has the edge at +7.06% annualized vs +4.52%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 17.9% 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 -30.5% for RULE 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RULE charges 1.84% per year while VYM charges 0.04%. On a $10,000 position that is $184 vs $4 annually, a gap of $180 per year that compounds over a long holding period. On income, RULE currently yields 0.00% against 2.86% for VYM.
Holdings Overlap
RULE and VYM share 17 holdings out of 576 unique holdings combined, representing a 11.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RULE | Weight in VYM | Difference |
|---|---|---|---|
| XOM | 2.26% | 2.83% | 0.57% |
| GLW | 4.19% | 0.51% | 3.68% |
| STX | 3.79% | 0.38% | 3.41% |
| CAT | Pro | Pro | Pro |
| NEM | Pro | Pro | Pro |
| CMI | Pro | Pro | Pro |
| SCCO | Pro | Pro | Pro |
| GS | Pro | Pro | Pro |
| ADI | Pro | Pro | Pro |
| CSCO | Pro | Pro | Pro |
See all 10 holdings RULE shares with VYM Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, RULE or VYM?
RULE has an expense ratio of 1.84% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $180 per year of difference.
Which performed better, RULE or VYM?
Over the past year RULE returned +34.62% vs +26.05% for VYM, so RULE leads on 1-year performance. Over the longest common window we track (5 years), RULE annualized +4.52% vs +7.06% for VYM. Past performance does not guarantee future results.
Which is riskier, RULE or VYM?
RULE has been the more volatile fund at 17.9% annualized versus 14.6% for VYM. Worst drawdown: RULE -30.5% vs VYM -58.8%.
Should I hold both RULE and VYM?
RULE and VYM have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RULE and VYM?
RULE and VYM share 17 common holdings with a 11.3% weight overlap. Combined, they hold 576 unique securities.
Which pays a higher dividend, RULE or VYM?
RULE yields 0.00% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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