AIYY vs XPAY: Performance, Holdings, Fees & Risk
AIYY and XPAY are ETFs, but they can differ materially in exposure, yield, fees and risk. AIYY is YieldMax AI Option Income Strategy ETF, while XPAY is Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF. XPAY is broader by holdings count, with 15 positions versus 10 for AIYY. XPAY has the lower expense ratio. Current AlgovestIQ evidence has XPAY ahead on AIQ Score, 44 versus 36.
| Metric | AIYY | XPAY |
|---|---|---|
| Fund | ||
| Expense ratio | 0.99% | 0.49% |
| Holdings | 10 | 15 |
| Distribution yieldTrailing 12 months | 111.6% | 21.22% |
| Average volume | 88,246 | 52,025 |
| Performance | ||
| 1Y return | -70.9% | -4.9% |
| YTD return | -57.5% | -4.7% |
| Risk | ||
| Annualized volatility | 48.6% | 14.2% |
| Max drawdown (1Y) | -72.3% | -15.5% |
| Beta | 1.65 | 0.99 |
| Sharpe ratio | -2.35 | -0.60 |
| Sortino ratio | -3.02 | -0.77 |
| AlgovestIQ | ||
| AIQ Score | 36/100 | 44/100 |
| AIQ Edge Score | 2/10 | 3/10 |
| Momentum | 39/100 | 37/100 |
| Risk Resilience | 33/100 | 83/100 |
AlgovestIQ AIQ Comparison
YieldMax AI Option Income Strategy ETF vs Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF
XPAY leads
XPAY leads by 8 AIQ points, primarily on Risk Resilience, but the lead has narrowed from 12 points over 30 sessions.
Competitive: 3 of 3 evidence groups support XPAY, and its lead is narrowing.
YieldMax AI Option Income Strategy ETF
Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF
The Algovestiq AIQ Score currently favors XPAY over AIYY, 44 versus 36 as of Oct 21, 2026. XPAY's advantage is driven primarily by stronger risk resilience. XPAY also shows the stronger technical structure relative to its 50-day moving average. 3 of 3 covered evidence groups favor XPAY today, and the comparison is rated Competitive on stability: the leader's advantage has been narrowing. XPAY lead: Weakening — the AIQ differential moved from 12 to 8 points over 30 sessions.
Compare YieldMax AI Option Income Strategy ETF and Roundhill Investments - S&P 500 Target 20 Managed Distribution ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
AIYY vs XPAY: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | AIYY | XPAY | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.99% | 0.49% | XPAY |
| Broader diversificationNumber of holdings | 10 | 15 | XPAY |
| Higher incomeTrailing 12-month distribution yield | 111.6% | 21.22% | AIYY |
| Smaller drawdownsMax drawdown, 1 year | -72.3% | -15.5% | XPAY |
| Lower volatilityAnnualized volatility, 1 year | 48.6% | 14.2% | XPAY |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare AIYY and XPAY against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience33 vs 83XPAY +50
- Momentum39 vs 37Even
- Quality36 vs 35Even
3 of 3 evidence groups favor XPAY. XPAY’s edge is concentrated in risk resilience.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum -2
New signals
- 52-Week Low Proximity — bearish, risk, long horizon (2.4%)
Largest factor move: Momentum +3
No signal started or stopped since the prior session; its 5 active signals are unchanged.
XPAY's lead widened by 2 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — AIYY and XPAY both carry a full feed there.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | AIYY | XPAY | Why it matters |
|---|---|---|---|
| Expense ratio | 0.99% | 0.49% | Lower is better — it compounds against you every year you hold. |
| Holdings | 10 | 15 | More holdings means broader diversification, not better returns. |
| Average volume | 88,246 | 52,025 | Liquidity — matters most if you trade size. |
| Annualized volatility | 48.6% | 14.2% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -72.3% | -15.5% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | -2.35 | -0.60 | Return per unit of risk. Higher is better. |
| Beta | 1.65 | 0.99 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
AIYY vs XPAY: five-year payout growth
AIYY began paying distributions in 2024, so it has no 2020-2025 growth rate to compare. XPAY began paying distributions in 2024, so it has no 2020-2025 growth rate to compare.
| Dividend metric | AIYY | XPAY |
|---|---|---|
| 2025 annual payout | $29.256 | $11.434 |
| Peer rank | not ranked | not ranked |
Split-adjusted annual distributions, 2020–2025. Research as of Sep 19, 2026. Yield and expense ratio above are current values, not part of this window.
AIQ Agreement Matrix
3 of 3 covered evidence groups favor XPAY. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | XPAY | 36 vs 44 |
| Fundamentals | Not covered | Not covered |
| Valuation | Not covered | Not covered |
| Technicals | XPAY | Price vs 50-day -2% vs -1.6%; vs 200-day -25.8% vs -2.4% |
| Risk Resilience | XPAY | Risk Resilience 33 vs 83 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of AIYY and XPAY and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is moderate at 8 points.
- 3 of 3 covered evidence groups point the same way. (supports the conclusion holding)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The lead has swung materially session to session. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on XPAY.
How the comparison changed
45 daily snapshots · Sep 6 – Oct 20XPAY lead: Weakening — the AIQ differential moved from 12 to 8 points over 30 sessions.
- Today
- XPAY +8
- 36 vs 44
- 7 sessions ago
- AIYY +3
- 46 vs 43
- 30 sessions ago
- XPAY +12
- 34 vs 46
- 90 sessions ago
- Not covered
The lead changed hands 4 times in this window, most recently on Oct 19 when XPAY moved ahead of AIYY.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
0 bullish / 4 bearish / 1 neutral
Only AIYY
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (3.83%)
- 52-Week Low Proximity — bearish, risk, long horizon (2.4%)
0 bullish / 3 bearish / 2 neutral
Only XPAY
- Bollinger Band Squeeze — neutral, volatility, short horizon
- ATR Contraction - Coiling — neutral, volatility, short horizon (1.03%)
Both carry 3 more signals that do not separate them: Death Cross Active, Downtrend Structure Active, MACD Bearish Crossover.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is up while the AIQ Score moved down 1 points over the same session — price and model disagree (price +0.41%, AIQ -1 points).
Price and the AIQ Score both moved up over the latest session (price +0.53%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1AIYY closes the Risk Resilience gap — currently 50 points behind, the largest single contributor to XPAY's edge.
- 2AIYY's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3XPAY starts generating bearish momentum or trend signals.
- 4The narrowing continues — the lead has already given back 4 points over 30 sessions, and a further 8-point move would eliminate XPAY's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
XPAY leads 5 of 6 windows| Metric | AIYY | XPAY |
|---|---|---|
| 1 week (5 sessions) | -3.9% | -2.9% |
| 1 month (20 sessions) | -2.6% | -2.4% |
| 3 months (63 sessions) | -1.3% | -2.3% |
| 6 months (126 sessions) | -26.8% | -1.2% |
| Year to date | -57.5% | -4.7% |
| 1 year (252 sessions) | -70.9% | -4.9% |
Technicals
XPAY has the stronger structure| Metric | AIYY | XPAY |
|---|---|---|
| RSI (14) | 46.5 | 44.6 |
| ADX (14) | 12.8 | 18.4 |
| Price vs 50-day | -2% | -1.6% |
| Price vs 200-day | -25.8% | -2.4% |
| Volatility (1M, annualized) | 34.9% | 14.3% |
Risk
XPAY is the more resilient| Metric | AIYY | XPAY |
|---|---|---|
| Beta | 1.65 | 0.99 |
| Sharpe ratio | -2.35 | -0.6 |
| Sortino ratio | -3.02 | -0.77 |
| Max drawdown | -72.3% | -15.5% |
| Current drawdown | -71.5% | -8.5% |
| Annualized volatility | 48.6% | 14.2% |
| Value at risk (95%) | -5.8% | -1.6% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
Which ETF is more diversified, AIYY or XPAY?
XPAY holds more positions: 15 versus 10 for AIYY.
Which has the lower expense ratio?
XPAY has the lower expense ratio, 0.49% a year against 0.99% for AIYY.
Which ETF has the higher distribution yield?
AIYY, with a trailing 12-month distribution yield of 111.6% against 21.22% for XPAY.
Which ETF has been more volatile?
AIYY has been more volatile over the past year, at 48.6% annualized against 14.2% for XPAY.
Which ETF has had the smaller drawdown?
XPAY fell less from peak to trough over the past year: -15.5% against -72.3% for AIYY.
Compare AIYY and XPAY with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.