Compare · 4 funds side by side · dividends reinvested

NRAM, VYM, SCHD and CIBR

NRAMYorkville×VYMVanguard×SCHDSchwab×CIBRFirst Trust×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,956CIBR · best of the four

02 / 04

NRAM, VYM, SCHD and CIBR, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard High Dividend Yield ETFIncome · Dividend stocks0.04%2.26%+15.4%+19.5%+19.7%+11.5%−6.7%10.8%$78.9B1.9

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.96%+33.2%+39.1%+19.6%+10.5%−6.9%11.8%$122B1.9

First Trust Nasdaq Cybersecurity ETFThematic · Cyber & cloud0.58%0.42%+32.8%+27.5%+28.7%+12.4%−20.6%31.3%$15.8B2.3

Yorkville America Next Generation Memory Index ETFThematic · AI & semis0.60%0.00%[…][…][…][…][…][…]$1M4.0

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: NRAM 2026 · VYM 2006 · SCHD 2011 · CIBR 2015

Head to Head

Swap sides Versus in desk

Head to Head

Yorkville America Next Generation Memory Index ETF · $1M[…]

NRAM

VYM

Vanguard High Dividend Yield ETF · $78.9B$17,254

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

NRAMMeasureVYM

[…]Year to dateJan 1 → Nov 9+15.4%

[…]1 yearTotal return+19.5%

[…]3 years · per year$10,000 became […] · $17,150+19.7%

[…]5 years · per year$10,000 became […] · $17,254+11.5%

0.60%Expense ratio$60 · $4 a year on $10k · lower is better0.04%

0.00%Trailing 12-mo yield$0 · $226 a year on $10k2.26%

[…]Worst dropSmaller is better−6.7%

[…]VolatilityLower is calmer10.8%

NRAMVYM Winner of the row, in its colourEach row: the bigger of the two fills its side

0–2VYM wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

NRAM vs VYM: Top 5 Holdings

Today

NRAM

53.4%in top 5

VYM

in top 518.2%

NRAMStockVYM

16.5%MUnot top 5

15.8%SKHYVnot top 5

11.6%SNDKnot top 5

not top 5AVGO6.9%

5.4%SMSN.ILnot top 5

4.2%SIMOnot top 5

not top 5JPM3.8%

not top 5XOM2.8%

not top 5JNJ2.7%

not top 5ABBV2.0%

Held in common0.0%

End-of-day Nov 9, 2026 · share of each fund

NRAM vs VYM Returns, Every Period

YorkvilleNRAM

[…]

past year

VYMVanguard

+19.5%

past year

Returns […]

NRAMVYMFaded: behind in that period

0–0Level

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Thematic vs Income: NRAM vs SCHD

YTD

YorkvilleNRAM

[…]

SCHDSchwab

+33.2%

[…]Year to date+33.2%

[…]Worst drop · 1Y−6.9%

[…]Volatility · 1Y11.8%

0.0%Yield3.0%

$1.1MAssets$122B

1–0SCHD wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: NRAM, VYM, SCHD, CIBR

Today

0.04%lowest, VYM

FundExpense ratioFee$10k

VYM0.04%$4

SCHD0.06%$6

CIBR0.58%$58

NRAM0.60%$60

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: NRAM, VYM, SCHD, CIBR

2.96%highest, SCHD

FundTrailing yieldYield$10k

SCHD2.96%$296

VYM2.26%$226

CIBR0.42%$42

NRAM0.00%$0

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$290most kept, SCHD

SCHD$296 − $6 = $290

VYM$226 − $4 = $222

CIBR$42 − $58 = −$16

NRAM$0 − $60 = −$60

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: NRAM, VYM, SCHD, CIBR

Today

21.9%most shared, VYM and SCHD

NRAMVYMSCHDCIBR

NRAM—0.0%0.0%0.0%

VYM0.0%—21.9%10.4%

SCHD0.0%21.9%—3.3%

CIBR0.0%10.4%3.3%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+39.1%SCHD, at 11.8% volatility

VYMWorst drop−6.7%10.8% vol

SCHDWorst drop−6.9%11.8% vol

CIBRWorst drop−20.6%31.3% vol

NRAMWorst drop[…][…]

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

SCHDCIBR

+33.2%Year to date+32.8%

3.0%Yield0.4%

+39.1%Past year+27.5%

0.06%Fee0.58%

4–0SCHD wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026