USCL vs VYM
USCL vs VYM
iShares Climate Conscious & Transition MSCI USA 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 | USCL | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.04% | |
| AUM | $2.8B | $79.0B | |
| Dividend Yield | 1.11% | 2.86% | |
| Holdings | 410 | 568 | |
| YTD Return | +9.89% | +15.20% | |
| 1Y Return | +16.49% | +25.56% | |
| 3Y Return (annualized) | +19.24% | +17.86% | |
| 5Y Return (annualized) | - | +12.35% | |
| Volatility (annualized) | 12.9% | 14.6% | |
| Max Drawdown | -19.0% | -58.8% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 6, 2023 | Nov 10, 2006 |
USCL vs VYM Performance
iShares Climate Conscious & Transition MSCI USA ETF (USCL) 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 USCL returned +16.49% while VYM returned +25.56%. Year to date, USCL is up 9.89% versus a gain of 15.20% for VYM.
Over three years, USCL compounded at +19.24% per year against +17.86% for VYM. Across the full 3-year window we track, USCL has the edge at +20.29% annualized vs +7.05%. 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 12.9% for USCL. 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 -19.0% for USCL 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
USCL charges 0.08% per year while VYM charges 0.04%. On a $10,000 position that is $8 vs $4 annually, a gap of $4 per year that compounds over a long holding period. On income, USCL currently yields 1.11% against 2.86% for VYM.
Holdings Overlap
USCL and VYM share 174 holdings out of 790 unique holdings combined, representing a 30.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in USCL | Weight in VYM | Difference |
|---|---|---|---|
| AVGO | 3.18% | 6.47% | 3.29% |
| JPM:US | 1.29% | 3.36% | 2.07% |
| JNJ | 1.18% | 2.62% | 1.44% |
| XOM | Pro | Pro | Pro |
| WMT | Pro | Pro | Pro |
| ABBV | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| HD | Pro | Pro | Pro |
| CSCO | Pro | Pro | Pro |
| CAT | Pro | Pro | Pro |
See all 10 holdings USCL 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, USCL or VYM?
USCL has an expense ratio of 0.08% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, USCL or VYM?
Over the past year USCL returned +16.49% vs +25.56% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), USCL annualized +20.29% vs +7.05% for VYM. Past performance does not guarantee future results.
Which is riskier, USCL or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 12.9% for USCL. Worst drawdown: USCL -19.0% vs VYM -58.8%.
Should I hold both USCL and VYM?
USCL and VYM have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between USCL and VYM?
USCL and VYM share 174 common holdings with a 30.3% weight overlap. Combined, they hold 790 unique securities.
Which pays a higher dividend, USCL or VYM?
USCL yields 1.11% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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