VYM vs XNAV
VYM vs XNAV
Vanguard High Dividend Yield ETF vs FundX Aggressive ETF
Quick Verdict
VYM has a lower expense ratio. XNAV delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | VYM | XNAV | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 1.27% | |
| AUM | $79.0B | $30M | |
| Dividend Yield | 2.86% | 0.48% | |
| Holdings | 568 | 23 | |
| YTD Return | +15.45% | +12.24% | |
| 1Y Return | +26.05% | +27.80% | |
| 3Y Return (annualized) | +17.96% | +19.61% | |
| 5Y Return (annualized) | +12.54% | - | |
| Volatility (annualized) | 14.6% | 16.7% | |
| Max Drawdown | -58.8% | -24.3% | |
| Fund Family | Vanguard (US) | FundX Funds | |
| Category | Equity | Equity | |
| Inception | Nov 10, 2006 | Oct 14, 2022 |
VYM vs XNAV Performance
Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US) and FundX Aggressive ETF (XNAV) is a ETF from FundX Funds. Over the past year VYM returned +26.05% while XNAV returned +27.80%. Year to date, VYM is up 15.45% versus a gain of 12.24% for XNAV.
Over three years, VYM compounded at +17.96% per year against +19.61% for XNAV. Across the full 4-year window we track, XNAV has the edge at +20.26% annualized vs +7.06%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNAV has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 14.6% for VYM. 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 -24.3% for XNAV. 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
VYM charges 0.04% per year while XNAV charges 1.27%. On a $10,000 position that is $4 vs $127 annually, a gap of $123 per year that compounds over a long holding period. On income, VYM currently yields 2.86% against 0.48% for XNAV.
Holdings Overlap
VYM and XNAV share 0 holdings out of 580 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 XNAV?
VYM has an expense ratio of 0.04% while XNAV charges 1.27%. VYM is the cheaper option. On a $10,000 investment, that is $123 per year of difference.
Which performed better, VYM or XNAV?
Over the past year VYM returned +26.05% vs +27.80% for XNAV, so XNAV leads on 1-year performance. Over the longest common window we track (4 years), VYM annualized +7.06% vs +20.26% for XNAV. Past performance does not guarantee future results.
Which is riskier, VYM or XNAV?
XNAV has been the more volatile fund at 16.7% annualized versus 14.6% for VYM. Worst drawdown: VYM -58.8% vs XNAV -24.3%.
Should I hold both VYM and XNAV?
VYM and XNAV 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 VYM and XNAV?
VYM and XNAV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 580 unique securities.
Which pays a higher dividend, VYM or XNAV?
VYM yields 2.86% while XNAV yields 0.48%, so VYM currently pays the higher dividend yield.
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