TUSB vs VYM
TUSB vs VYM
Thrivent Ultra Short Bond 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 | TUSB | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.04% | |
| AUM | $221M | $79.0B | |
| Dividend Yield | 4.63% | 2.86% | |
| Holdings | 446 | 568 | |
| YTD Return | +2.52% | +15.80% | |
| 1Y Return | +4.59% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 0.6% | 14.6% | |
| Max Drawdown | -0.5% | -58.8% | |
| Fund Family | Thrivent Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 19, 2025 | Nov 10, 2006 |
TUSB vs VYM Performance
Thrivent Ultra Short Bond ETF (TUSB) is a ETF from Thrivent Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TUSB returned +4.59% while VYM returned +26.12%. Year to date, TUSB is up 2.52% versus a gain of 15.80% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 0.6% for TUSB. 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 -0.5% for TUSB 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
TUSB charges 0.20% per year while VYM charges 0.04%. On a $10,000 position that is $20 vs $4 annually, a gap of $16 per year that compounds over a long holding period. On income, TUSB currently yields 4.63% against 2.86% for VYM.
Holdings Overlap
TUSB and VYM share 0 holdings out of 797 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, TUSB or VYM?
TUSB has an expense ratio of 0.20% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $16 per year of difference.
Which performed better, TUSB or VYM?
Over the past year TUSB returned +4.59% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), TUSB annualized +4.66% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, TUSB or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 0.6% for TUSB. Worst drawdown: TUSB -0.5% vs VYM -58.8%.
Should I hold both TUSB and VYM?
TUSB 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 TUSB and VYM?
TUSB and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 797 unique securities.
Which pays a higher dividend, TUSB or VYM?
TUSB yields 4.63% while VYM yields 2.86%, so TUSB currently pays the higher dividend yield.
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