UBND vs VYM
UBND vs VYM
VictoryShares Core Plus Bond ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. UBND offers more diversification with 821 holdings.
Side-by-Side Comparison
| Metric | UBND | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.04% | |
| AUM | $2.0B | $79.0B | |
| Dividend Yield | 4.74% | 2.86% | |
| Holdings | 1,425 | 568 | |
| YTD Return | -0.27% | +13.24% | |
| 1Y Return | +3.18% | +23.76% | |
| 3Y Return (annualized) | +4.79% | +16.97% | |
| 5Y Return (annualized) | - | +12.26% | |
| Volatility (annualized) | 6.5% | 14.6% | |
| Max Drawdown | -16.4% | -58.8% | |
| Fund Family | Victory Capital Management Inc. | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 4, 2021 | Nov 10, 2006 |
UBND vs VYM Performance
VictoryShares Core Plus Bond ETF (UBND) is a ETF from Victory Capital Management Inc. and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year UBND returned +3.18% while VYM returned +23.76%. Year to date, UBND is down 0.27% versus a gain of 13.24% for VYM.
Over three years, UBND compounded at +4.79% per year against +16.97% for VYM. Across the full 5-year window we track, VYM has the edge at +6.96% annualized vs +0.78%. 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 6.5% for UBND. 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 UBND 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
UBND charges 0.40% per year while VYM charges 0.04%. On a $10,000 position that is $40 vs $4 annually, a gap of $36 per year that compounds over a long holding period. On income, UBND currently yields 4.74% against 2.86% for VYM.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, UBND or VYM?
UBND has an expense ratio of 0.40% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, UBND or VYM?
Over the past year UBND returned +3.18% vs +23.76% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (5 years), UBND annualized +0.78% vs +6.96% for VYM. Past performance does not guarantee future results.
Which is riskier, UBND or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 6.5% for UBND. Worst drawdown: UBND -16.4% vs VYM -58.8%.
Should I hold both UBND and VYM?
UBND and VYM have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UBND and VYM?
UBND and VYM share 2 common holdings with a 0.0% weight overlap. Combined, they hold 1377 unique securities.
Which pays a higher dividend, UBND or VYM?
UBND yields 4.74% while VYM yields 2.86%, so UBND currently pays the higher dividend yield.
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