Two of the market's most popular income ETFs compared side-by-side. See which one fits your yield strategy.
What this means: Both MO and XPAY fall intoTier 3: Specialty. This suggests they share a similar risk profile and volatility expectation.
| Metric | MO | XPAY |
|---|---|---|
| Total Return (1Y) | 15.50% | 15.35% |
| NAV Change (1Y) | 9.36% | -4.80% |
| Max Drawdown | -22.06% | -19.69% |
| Beta | - | - |
* Returns include dividend reinvestment. Drawdown calculates peak-to-trough decline over trailing 12 months.
MO (Altria Group) is a sector-specific income 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: 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 MO vs XPAY, the choice depends on your specific goal. XPAY wins for Immediate Income with a 20.15% yield. However, MO 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:
MO
Annual Yield: 6.14%
$512/mo
($6,141/year)
Frequency: quarterly
XPAY
Annual Yield: 20.15%
$1,679/mo
($20,145/year)
Frequency: monthly
Income Gap: XPAY generates $14,004/year more than MO on the same $100k investment.
Over 20 years, that's $280,083 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. MO has delivered a superior Total Return of 15.50% over the past year.
What is Max Drawdown? Max drawdown measures the largest peak-to-trough decline in portfolio value during a specific period. Unlike NAV change (which only looks at start vs. end), max drawdown captures the worst moment of pain an investor experienced.
Real-World Scenario: $100,000 Investment
XPAY (More Resilient)
Max Drawdown: -19.69%
-$19,690
Worst unrealized loss
MO (More Volatile)
Max Drawdown: -22.06%
-$22,060
Worst unrealized loss
Protection Value: XPAY saved investors $2,370 in drawdown severity on a $100k position.
Why This Matters More Than Total Return: During bear markets or corrections, investors with lower max drawdown are:
⚖️ Capital Preservation Winner: XPAY demonstrated superior downside protection, making it the better choice for retirees who cannot afford steep temporary losses.
Every investor has a unique risk profile. Use our Portfolio Intelligence tool to see the impact of adding these ETFs to your holdings.