VYM vs XFLX
VYM vs XFLX
Vanguard High Dividend Yield ETF vs FundX Flexible 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 | VYM | XFLX | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.97% | |
| AUM | $79.0B | $50M | |
| Dividend Yield | 2.86% | 9.66% | |
| Holdings | 568 | 14 | |
| YTD Return | +13.24% | +0.94% | |
| 1Y Return | +23.76% | +3.39% | |
| 3Y Return (annualized) | +16.97% | - | |
| 5Y Return (annualized) | +12.26% | - | |
| Volatility (annualized) | 14.6% | 4.0% | |
| Max Drawdown | -58.8% | -6.5% | |
| Fund Family | Vanguard (US) | Fund X | |
| Category | Equity | Fixed Income | |
| Inception | Nov 10, 2006 | Jul 1, 2002 |
VYM vs XFLX Performance
Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US) and FundX Flexible ETF (XFLX) is a ETF from Fund X. Over the past year VYM returned +23.76% while XFLX returned +3.39%. Year to date, VYM is up 13.24% versus a gain of 0.94% for XFLX.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 4.0% for XFLX. 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 -58.8% for VYM and -6.5% for XFLX. 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
VYM charges 0.04% per year while XFLX charges 0.97%. On a $10,000 position that is $4 vs $97 annually, a gap of $93 per year that compounds over a long holding period. On income, VYM currently yields 2.86% against 9.66% for XFLX.
Holdings Overlap
VYM and XFLX share 0 holdings out of 571 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, VYM or XFLX?
VYM has an expense ratio of 0.04% while XFLX charges 0.97%. VYM is the cheaper option. On a $10,000 investment, that is $93 per year of difference.
Which performed better, VYM or XFLX?
Over the past year VYM returned +23.76% vs +3.39% for XFLX, so VYM leads on 1-year performance. Over the longest common window we track (3 years), VYM annualized +6.96% vs +4.12% for XFLX. Past performance does not guarantee future results.
Which is riskier, VYM or XFLX?
VYM has been the more volatile fund at 14.6% annualized versus 4.0% for XFLX. Worst drawdown: VYM -58.8% vs XFLX -6.5%.
Should I hold both VYM and XFLX?
VYM and XFLX have a monthly-return correlation of 0.87, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between VYM and XFLX?
VYM and XFLX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 571 unique securities.
Which pays a higher dividend, VYM or XFLX?
VYM yields 2.86% while XFLX yields 9.66%, so XFLX currently pays the higher dividend yield.
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