Two of the market's most popular income ETFs compared side-by-side. See which one fits your yield strategy.
What this means: Both FMCB and YUM fall intoTier 2: Yield Plus. This suggests they share a similar risk profile and volatility expectation.
| Metric | FMCB | YUM |
|---|---|---|
| Total Return (1Y) | 8.21% | 0.58% |
| NAV Change (1Y) | 7.31% | -1.25% |
| Max Drawdown | -14.04% | -14.96% |
| Beta | - | - |
* Returns include dividend reinvestment. Drawdown calculates peak-to-trough decline over trailing 12 months.
FMCB (Farmers & Merchants Bank of Central California) is a conservative dividend growth fund managed by institutional managers. It focuses on generating income through strategic holdings. With significant capital, this fund has been operational since its inception.
Strategy: Focuses on quality dividend-paying companies with strong balance sheets and consistent payout histories.
YUM (Yum! Brands Inc.) is a conservative dividend growth fund managed by institutional managers. It focuses on generating income through strategic holdings. With significant capital, this fund has been operational since its inception.
Strategy: Focuses on quality dividend-paying companies with strong balance sheets and consistent payout histories.
In the head-to-head battle of FMCB vs YUM, the choice depends on your specific goal. YUM wins for Immediate Income with a 1.83% yield. However, FMCB 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:
FMCB
Annual Yield: 0.90%
$75/mo
($902/year)
Frequency: semi-annual
YUM
Annual Yield: 1.83%
$152/mo
($1,826/year)
Frequency: quarterly
Income Gap: YUM generates $925/year more than FMCB on the same $100k investment.
Over 20 years, that's $18,492 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. FMCB has delivered a superior Total Return of 8.21% over the past year.
Every investor has a unique risk profile. Use our Portfolio Intelligence tool to see the impact of adding these ETFs to your holdings.