Two of the market's most popular income ETFs compared side-by-side. See which one fits your yield strategy.
What this means: Both CSB and XPAY fall intoTier 3: Specialty. This suggests they share a similar risk profile and volatility expectation.
| Metric | CSB | XPAY |
|---|---|---|
| Total Return (1Y) | 0.00% | 15.35% |
| NAV Change (1Y) | 0.00% | -4.80% |
| Max Drawdown | 0.00% | -19.69% |
| Beta | - | - |
* Returns include dividend reinvestment. Drawdown calculates peak-to-trough decline over trailing 12 months.
CSB (VictoryShares US Small Cap High Div Volatility Wtd ETF) is a sector-specific income fund managed by Victory Capital. It focuses on generating income through strategic holdings. With $263.3M in assets under management, this fund has been operational since its inception.
Strategy: Concentrates on sector-specific opportunities, typically REITs, MLPs, or BDCs with higher baseline yields.
XPAY (Roundhill Weekly Income) is a sector-specific income fund managed by Roundhill. It focuses on generating income through strategic holdings. With $132.8M in assets under management, this fund has been operational since its inception.
Strategy: Concentrates on sector-specific opportunities, typically REITs, MLPs, or BDCs with higher baseline yields.
In the head-to-head battle of CSB vs XPAY, the choice depends on your specific goal. XPAY wins for Immediate Income with a 20.15% yield. However, XPAY is the better choice for Long-Term Growth due to superior total return performance.
Which fund is safer for retirement income? We analyze the yield sustainability and structural risk.
The Bottom Line Question: If you invest $100,000 today, how much cash will you actually receive each month? Here's the exact math:
CSB
Annual Yield: 0.08%
$6/mo
($76/year)
Frequency: monthly
XPAY
Annual Yield: 20.15%
$1,679/mo
($20,145/year)
Frequency: monthly
Income Gap: XPAY generates $20,069/year more than CSB on the same $100k investment.
Over 20 years, that's $401,386 in additional cash flow (before reinvestment).
Context Matters: Higher income doesn't always mean better investment. Review the "Yield Trap" and "Total Return" sections above—you want income that's sustainable, not just headline-grabbing.
Historical data reveals how these funds behave during market stress. XPAY has delivered a superior Total Return of 15.35% over the past year.
What is an Expense Ratio? The annual fee charged by the fund, expressed as a percentage of assets. It's deducted daily from the fund's NAV, making it invisible to most investors—but it compounds over time.
CSB (LOWER COST)
0.350%
Annual expense ratio
XPAY (HIGHER COST)
0.490%
Annual expense ratio
20-YEAR FEE IMPACT SIMULATION ($100,000 INITIAL INVESTMENT)
The Hidden Cost of "Just 0.14%": That seemingly small difference of 0.140% annually becomes $2,800 in lost wealth over 20 years. Factor in compound growth, and you're giving up ~$7,856 in potential portfolio value.
💡 Cost Efficiency Winner: CSB is the clear winner for long-term buy-and-hold investors. Lower fees mean more capital compounds in YOUR account, not the fund manager's.
Every investor has a unique risk profile. Use our Portfolio Intelligence tool to see the impact of adding these ETFs to your holdings.