TDSC vs VYM
TDSC vs VYM
ETC Cabana Target Drawdown 10 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 | TDSC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.90% | 0.04% | |
| AUM | $101M | $79.0B | |
| Dividend Yield | 1.61% | 2.86% | |
| Holdings | 11 | 568 | |
| YTD Return | +11.00% | +15.20% | |
| 1Y Return | +17.25% | +25.56% | |
| 3Y Return (annualized) | +10.25% | +17.86% | |
| 5Y Return (annualized) | +2.63% | +12.35% | |
| Volatility (annualized) | 9.5% | 14.6% | |
| Max Drawdown | -21.5% | -58.8% | |
| Fund Family | The Cabana Group, LLC | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 16, 2020 | Nov 10, 2006 |
TDSC vs VYM Performance
ETC Cabana Target Drawdown 10 ETF (TDSC) is a ETF from The Cabana Group, LLC and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TDSC returned +17.25% while VYM returned +25.56%. Year to date, TDSC is up 11.00% versus a gain of 15.20% for VYM.
Over three years, TDSC compounded at +10.25% per year against +17.86% for VYM; over five years the annualized figures are +2.63% and +12.35% respectively. Across the full 6-year window we track, VYM has the edge at +7.05% annualized vs +3.94%. 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 9.5% for TDSC. 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 -21.5% for TDSC 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TDSC charges 0.90% per year while VYM charges 0.04%. On a $10,000 position that is $90 vs $4 annually, a gap of $86 per year that compounds over a long holding period. On income, TDSC currently yields 1.61% against 2.86% for VYM.
Holdings Overlap
TDSC and VYM share 0 holdings out of 568 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, TDSC or VYM?
TDSC has an expense ratio of 0.90% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $86 per year of difference.
Which performed better, TDSC or VYM?
Over the past year TDSC returned +17.25% vs +25.56% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (6 years), TDSC annualized +3.94% vs +7.05% for VYM. Past performance does not guarantee future results.
Which is riskier, TDSC or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 9.5% for TDSC. Worst drawdown: TDSC -21.5% vs VYM -58.8%.
Should I hold both TDSC and VYM?
TDSC and VYM have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TDSC and VYM?
TDSC and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 568 unique securities.
Which pays a higher dividend, TDSC or VYM?
TDSC yields 1.61% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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