TOPC vs VYM
TOPC vs VYM
iShares S&P 500 3% Capped 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 | TOPC | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.04% | |
| AUM | $31M | $79.0B | |
| Dividend Yield | 1.04% | 2.86% | |
| Holdings | 509 | 568 | |
| YTD Return | +13.50% | +15.45% | |
| 1Y Return | +23.54% | +26.05% | |
| 3Y Return (annualized) | - | +17.96% | |
| 5Y Return (annualized) | - | +12.54% | |
| Volatility (annualized) | 11.1% | 14.6% | |
| Max Drawdown | -8.0% | -58.8% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 15, 2025 | Nov 10, 2006 |
TOPC vs VYM Performance
iShares S&P 500 3% Capped ETF (TOPC) 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 TOPC returned +23.54% while VYM returned +26.05%. Year to date, TOPC is up 13.50% versus a gain of 15.45% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 11.1% for TOPC. 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 -8.0% for TOPC 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
TOPC charges 0.09% per year while VYM charges 0.04%. On a $10,000 position that is $9 vs $4 annually, a gap of $5 per year that compounds over a long holding period. On income, TOPC currently yields 1.04% against 2.86% for VYM.
Holdings Overlap
TOPC and VYM share 222 holdings out of 828 unique holdings combined, representing a 39.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in TOPC | Weight in VYM | Difference |
|---|---|---|---|
| AVGO | 2.89% | 6.47% | 3.58% |
| JPM | 1.67% | 3.36% | 1.69% |
| XOM | 1.05% | 2.83% | 1.78% |
| JNJ | Pro | Pro | Pro |
| WMT | Pro | Pro | Pro |
| ABBV | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| CAT | Pro | Pro | Pro |
| HD | Pro | Pro | Pro |
| CSCO | Pro | Pro | Pro |
See all 10 holdings TOPC 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, TOPC or VYM?
TOPC has an expense ratio of 0.09% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, TOPC or VYM?
Over the past year TOPC returned +23.54% vs +26.05% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (1 years), TOPC annualized +33.02% vs +7.06% for VYM. Past performance does not guarantee future results.
Which is riskier, TOPC or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 11.1% for TOPC. Worst drawdown: TOPC -8.0% vs VYM -58.8%.
Should I hold both TOPC and VYM?
TOPC and VYM have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TOPC and VYM?
TOPC and VYM share 222 common holdings with a 39.2% weight overlap. Combined, they hold 828 unique securities.
Which pays a higher dividend, TOPC or VYM?
TOPC yields 1.04% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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