PCR vs VYM
Simplify VettaFi Private Credit Strategy ETF vs Vanguard High Dividend Yield ETF
Which is better, PCR or VYM?
High Yield Bond against Large Cap Value.
VYM has a lower expense ratio. VYM led over 1Y and the full window.
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 | PCR | VYM |
|---|---|---|
| Expense Ratio | 0.76% | 0.04%Best |
| AUM | $2M | $78.9B |
| Dividend Yield | 12.72% | 2.37% |
| Holdings | 538 | 608 |
| YTD Return | -16.51% | +11.83%Best |
| 1Y Return | -18.95% | +15.96%Best |
| 3Y Return (annualized) | - | +18.60% |
| 5Y Return (annualized) | - | +11.51% |
| Volatility (annualized) | 16.5% | 10.8%Best |
| Max Drawdown | -21.5% | -6.7%Best |
| $10,000 over 1.1 years | $7,774 | $11,663Best |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Value |
| Inception | Sep 22, 2025 | Nov 10, 2006 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.1 years row, are measured over the window both funds cover: Sep 23, 2025 to Oct 14, 2026 (1.1 years).
PCR 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 1.1 years both funds cover.
PCR vs VYM Performance
Simplify VettaFi Private Credit Strategy ETF (PCR) is an ETF from Simplify Exchange Traded Funds and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year PCR returned -18.95% while VYM returned +15.96%. Year to date, PCR is down 16.51% versus a gain of 11.83% for VYM.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PCR has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 10.8% 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 -21.5% for PCR 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 0.30. They move together some of the time, and apart the rest.
Fees and Cost Over Time
PCR charges 0.76% per year while VYM charges 0.04%. On a $10,000 position that is $76 vs $4 annually, a gap of $72 per year that compounds over a long holding period. On income, PCR currently yields 12.72% against 2.37% for VYM.
Holdings Overlap
At least 32.8% of VYM's money is in holdings PCR also owns.
Only one direction is shown: for PCR, our book for it lists positions totalling 156.9% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
The two portfolios partly overlap.
79 positions in common, counted across the 257 positions we hold weights for in PCR and 602 in VYM, against full books of 538 and 608.
Top Shared Holdings
| Stock | Weight in PCR | Weight in VYM | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 0.29% | 6.94% | 6.65% |
| JPMJpmorgan Chase | 0.33% | 3.83% | 3.50% |
| ABBVAbbvie Inc. | 0.35% | 1.83% | 1.48% |
| CSCOCisco Systems Inc. - Ordinary Shares | 0.29% | 1.76% | 1.47% |
| MRKMerck & Company Inc | 0.39% | 1.47% | 1.08% |
| UNHUnitedhealth Group Incorporated | 0.30% | 1.42% | 1.12% |
| HDHome Depot Inc/The | 0.30% | 1.32% | 1.02% |
| PMPhilip Morris International Inc. | 0.35% | 1.18% | 0.83% |
| IBMInternational Business Machines Corp. | 0.30% | 0.89% | 0.59% |
| DISWalt Disney Co | 0.33% | 0.77% | 0.44% |
32.8% of VYM is already inside PCR.
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, PCR or VYM?
PCR has an expense ratio of 0.76% while VYM charges 0.04%. VYM is the cheaper option, by $72 a year on a $10,000 investment.
Which performed better, PCR or VYM?
Over the past year PCR returned -18.95% vs +15.96% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (1 years), PCR annualized -20.46% vs +15.01% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PCR or VYM?
PCR has been the more volatile fund at 16.5% annualized versus 10.8% for VYM. Worst drawdown: PCR -21.5% vs VYM -6.7%.
Should I hold both PCR and VYM?
PCR and VYM have a monthly-return correlation of 0.30, 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 PCR and VYM?
At least 32.8% of VYM's money is in holdings PCR also owns. Our book for PCR is partial, so the real figure is this or higher. They hold 79 positions in common, counted across the 257 positions we hold weights for in PCR and 602 in VYM.
Which pays a higher dividend, PCR or VYM?
PCR yields 12.72% while VYM yields 2.37%, so PCR currently pays the higher dividend yield.
Is VYM better than PCR?
VYM has a lower expense ratio. VYM led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.