LOTI vs VYM
Liberty One Tactical Income ETF vs Vanguard High Dividend Yield ETF
Which is better, LOTI or VYM?
Tactical Allocation against Large Cap Value.
VYM has a lower expense ratio. VYM led over 1Y and the full window. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 52.2%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | LOTI | VYM |
|---|---|---|
| Expense Ratio | 1.01% | 0.04%Best |
| AUM | $48M | $78.9B |
| Dividend Yield | 2.14% | 2.37% |
| Holdings | 68 | 608 |
| YTD Return | +4.53% | +11.83%Best |
| 1Y Return | +3.62% | +15.96%Best |
| 3Y Return (annualized) | - | +18.60% |
| 5Y Return (annualized) | - | +11.51% |
| Volatility (annualized) | 7.1%Best | 10.8% |
| Max Drawdown | -4.4%Best | -6.7% |
| $10,000 over 1 years | $10,450 | $11,500Best |
| Top 10 Weight | 52.2% | 25.8%Best |
| Fund Family | Liberty One Investment Management, LLC | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Value |
| Inception | Sep 30, 2025 | Nov 10, 2006 |
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Sep 30, 2025 to Oct 14, 2026 (1 years).
LOTI vs VYM growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1 years both funds cover.
LOTI vs VYM Performance
Liberty One Tactical Income ETF (LOTI) is an ETF from Liberty One Investment Management, LLC and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year LOTI returned +3.62% while VYM returned +15.96%. Year to date, LOTI is up 4.53% versus a gain of 11.83% for VYM.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 10.8% compared with 7.1% for LOTI. 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 -4.4% for LOTI and -6.7% for VYM. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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
LOTI charges 1.01% per year while VYM charges 0.04%. On a $10,000 position that is $101 vs $4 annually, a gap of $97 per year that compounds over a long holding period. On income, LOTI currently yields 2.14% against 2.37% for VYM.
Holdings Overlap
36.0% of LOTI's money is in holdings VYM also owns. 18.4% of VYM's money is in holdings LOTI also owns.
The two portfolios partly overlap.
17 positions in common, counted across the 34 positions we hold weights for in LOTI and 602 in VYM, against full books of 68 and 608.
What only one of them owns
Our book lists 556 positions for VYM that do not appear in our book for LOTI (79.5% of the fund), and 17 for LOTI that do not appear in VYM (64.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in LOTI | Weight in VYM | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 2.16% | 6.94% | 4.78% |
| JNJJohnson & Johnson - Common | 2.85% | 2.58% | 0.27% |
| KOCoca Cola Co. | 2.58% | 1.39% | 1.19% |
| UNHUnitedhealth Group Incorporated | 2.22% | 1.42% | 0.80% |
| GILDGilead Sciences | 2.59% | 0.73% | 1.86% |
| PGProcter & Gamble Company | 1.90% | 1.36% | 0.54% |
| CAHCardinal Health Inc. | 2.99% | 0.22% | 2.77% |
| CBChubb Ltd Common Stock Usd 24.15 | 2.37% | 0.48% | 1.89% |
| TAT&T Inc. | 1.73% | 0.71% | 1.02% |
| ETREntergy Corp. | 2.16% | 0.20% | 1.96% |
36.0% of LOTI is already inside VYM.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, LOTI or VYM?
LOTI has an expense ratio of 1.01% while VYM charges 0.04%. VYM is the cheaper option, by $97 a year on a $10,000 investment.
Which performed better, LOTI or VYM?
Over the past year LOTI returned +3.62% vs +15.96% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (1 years), LOTI annualized +4.50% vs +15.00% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LOTI or VYM?
VYM has been the more volatile fund at 10.8% annualized versus 7.1% for LOTI. Worst drawdown: LOTI -4.4% vs VYM -6.7%.
Should I hold both LOTI and VYM?
LOTI and VYM have a monthly-return correlation of 0.87, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between LOTI and VYM?
36.0% of LOTI's money is in holdings VYM also owns. 18.4% of VYM's is in holdings LOTI also owns. They hold 17 positions in common, counted across the 34 positions we hold weights for in LOTI and 602 in VYM.
Which pays a higher dividend, LOTI or VYM?
LOTI yields 2.14% while VYM yields 2.37%, so VYM currently pays the higher dividend yield.
Is VYM better than LOTI?
VYM has a lower expense ratio. VYM led over 1Y and the full window. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 52.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.