UDI vs VYM
USCF Dividend Income Fund vs Vanguard High Dividend Yield ETF
Which is better, UDI or VYM?
Large Cap Blend against Large Cap Value.
VYM has a lower expense ratio. UDI led over 1Y and the full window, VYM over 3Y. The two have moved almost in lockstep, correlation 0.95. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 31.8%.
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 | UDI | VYM |
|---|---|---|
| Expense Ratio | 0.65% | 0.04%Best |
| AUM | $3M | $78.9B |
| Dividend Yield | 2.75% | 2.37% |
| Holdings | 43 | 608 |
| YTD Return | +14.20%Best | +11.83% |
| 1Y Return | +19.52%Best | +15.96% |
| 3Y Return (annualized) | +18.44% | +18.60%Best |
| 5Y Return (annualized) | - | +11.51% |
| Volatility (annualized) | 13.4%Best | 13.5% |
| Max Drawdown | -14.2%Best | -14.5% |
| $10,000 over 4.4 years | $16,923Best | $16,446 |
| Top 10 Weight | 31.8% | 25.8%Best |
| Fund Family | USCF Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Jun 8, 2022 | Nov 10, 2006 |
Volatility and max drawdown, and the $10,000 over 4.4 years row, are measured over the window both funds cover: Jun 8, 2022 to Oct 14, 2026 (4.4 years).
UDI 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 4.4 years both funds cover.
UDI vs VYM Performance
USCF Dividend Income Fund (UDI) is an ETF from USCF Investments and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year UDI returned +19.52% while VYM returned +15.96%. Year to date, UDI is up 14.20% versus a gain of 11.83% for VYM.
Over three years, UDI compounded at +18.44% per year against +18.60% for VYM. Across the full 4-year window we track, UDI has the edge at +12.70% annualized vs +11.97%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 13.5% compared with 13.4% for UDI. 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 -14.2% for UDI and -14.5% 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 0.95. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
UDI charges 0.65% per year while VYM charges 0.04%. On a $10,000 position that is $65 vs $4 annually, a gap of $61 per year that compounds over a long holding period. On income, UDI currently yields 2.75% against 2.37% for VYM.
Holdings Overlap
70.6% of UDI's money is in holdings VYM also owns. 17.5% of VYM's money is in holdings UDI also owns.
Most of UDI is already inside VYM. Owning both mostly buys the same companies twice.
30 positions in common, counted across the 43 positions we hold weights for in UDI and 602 in VYM, against full books of 43 and 608.
What only one of them owns
Our book lists 543 positions for VYM that do not appear in our book for UDI (80.3% of the fund), and 8 for UDI that do not appear in VYM (15.7%).
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 UDI | Weight in VYM | Difference |
|---|---|---|---|
| JNJJohnson & Johnson - Common | 3.70% | 2.58% | 1.12% |
| ABBVAbbvie Inc. | 3.39% | 1.83% | 1.56% |
| CSCOCisco Systems Inc. - Ordinary Shares | 2.69% | 1.76% | 0.93% |
| VZVerizon Communic | 2.86% | 0.84% | 2.02% |
| PSXPhillips 66 | 3.24% | 0.40% | 2.84% |
| KOCoca Cola Co. | 2.25% | 1.39% | 0.86% |
| CCitigroup Inc. | 2.70% | 0.90% | 1.80% |
| COPConocophillips Common Stock USD 0.01 | 2.94% | 0.65% | 2.29% |
| EWBCEast West Bancorp, Inc. | 3.44% | 0.07% | 3.37% |
| GILDGilead Sciences | 2.51% | 0.73% | 1.78% |
70.6% of UDI 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, UDI or VYM?
UDI has an expense ratio of 0.65% while VYM charges 0.04%. VYM is the cheaper option, by $61 a year on a $10,000 investment.
Which performed better, UDI or VYM?
Over the past year UDI returned +19.52% vs +15.96% for VYM, so UDI leads on 1-year performance. Over the longest common window we track (4 years), UDI annualized +12.70% vs +11.97% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UDI or VYM?
VYM has been the more volatile fund at 13.5% annualized versus 13.4% for UDI. Worst drawdown: UDI -14.2% vs VYM -14.5%.
Should I hold both UDI and VYM?
UDI and VYM have a monthly-return correlation of 0.95, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between UDI and VYM?
70.6% of UDI's money is in holdings VYM also owns. 17.5% of VYM's is in holdings UDI also owns. They hold 30 positions in common, counted across the 43 positions we hold weights for in UDI and 602 in VYM.
Which pays a higher dividend, UDI or VYM?
UDI yields 2.75% while VYM yields 2.37%, so UDI currently pays the higher dividend yield.
Is VYM better than UDI?
VYM has a lower expense ratio. UDI led over 1Y and the full window, VYM over 3Y. The two have moved almost in lockstep, correlation 0.95. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 31.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.