MINT vs PYLD: Performance, Holdings, Fees & Risk
MINT and PYLD are ETFs, but they can differ materially in exposure, yield, fees and risk. MINT is PIMCO Enhanced Short Maturity Active Exchange-Traded Fund, while PYLD is PIMCO Multisector Bond Active Exchange-Traded Fund. PYLD is broader by holdings count, with 2,122 positions versus 1,017 for MINT. PYLD is more concentrated at the top, based on top-10 holdings weight. Current AlgovestIQ evidence has PYLD ahead on AIQ Score, 55 versus 53.
What is the main difference between MINT and PYLD?
MINT and PYLD have little in common: 1% of their weight is in the same securities.
| Metric | MINT | PYLD |
|---|---|---|
| Fund | ||
| Expense ratio | 0.36% | 0.74% |
| Holdings | 1,017 | 2,122 |
| Top-10 concentration | 12.5% | 21.6% |
| Distribution yieldTrailing 12 months | 4.09% | 6.59% |
| Average volume | 1,768,362 | 4,795,977 |
| Performance | ||
| 1Y return | +0.1% | -5.3% |
| YTD return | +0.2% | -4.7% |
| Risk | ||
| Annualized volatility | 1.1% | 4% |
| Max drawdown (1Y) | -0.6% | -6.7% |
| Beta | 0.00 | 0.16 |
| Sharpe ratio | -3.39 | -2.29 |
| Sortino ratio | -2.68 | -3.00 |
| AlgovestIQ | ||
| AIQ Score | 53/100 | 55/100 |
| AIQ Edge Score | 5/10 | 5/10 |
| Momentum | 41/100 | 44/100 |
| Risk Resilience | 66/100 | 88/100 |
AlgovestIQ AIQ Comparison
PIMCO Enhanced Short Maturity Active Exchange-Traded Fund vs PIMCO Multisector Bond Active Exchange-Traded Fund
PYLD leads
PYLD leads by 2 AIQ points, primarily on Risk Resilience, having only recently taken the lead back from MINT.
Fragile: 1 of 4 evidence groups support PYLD, the lead recently changed hands, and its current signal state is conflicted.
PIMCO Enhanced Short Maturity Active Exchange-Traded Fund
PIMCO Multisector Bond Active Exchange-Traded Fund
The Algovestiq AIQ Score currently favors PYLD over MINT, 55 versus 53 as of Oct 21, 2026. PYLD's advantage is driven primarily by stronger risk resilience, while MINT holds the stronger value profile. PYLD also shows the weaker technical structure relative to its 50-day moving average. 1 of 4 covered evidence groups favor PYLD today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 2 points. PYLD lead: Reversed — MINT led by 7 AIQ points 30 sessions ago; PYLD now leads by 2.
Compare PIMCO Enhanced Short Maturity Active Exchange-Traded Fund and PIMCO Multisector Bond Active Exchange-Traded Fund across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
MINT vs PYLD: 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 | MINT | PYLD | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.36% | 0.74% | MINT |
| Broader diversificationNumber of holdings | 1,017 | 2,122 | PYLD |
| Lower concentrationWeight of the 10 largest holdings | 12.5% | 21.6% | MINT |
| Higher incomeTrailing 12-month distribution yield | 4.09% | 6.59% | PYLD |
| Smaller drawdownsMax drawdown, 1 year | -0.6% | -6.7% | MINT |
| Lower volatilityAnnualized volatility, 1 year | 1.1% | 4% | MINT |
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 MINT and PYLD 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 Resilience66 vs 88PYLD +22
- Value45 vs 36MINT +9
- Quality63 vs 66Even
- Momentum41 vs 44Even
1 of 4 evidence groups favor PYLD. PYLD’s edge is concentrated in risk resilience; MINT keeps a meaningful value edge.
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 +4
No signal started or stopped since the prior session; its 6 active signals are unchanged.
Largest factor move: Momentum +3
No signal started or stopped since the prior session; its 5 active signals are unchanged.
PYLD's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — MINT and PYLD both carry a full feed there.
The central trade-off
PYLD (PIMCO Multisector Bond Active Exchange-Traded Fund): the stronger current systematic profile, led by risk resilience.
MINT (PIMCO Enhanced Short Maturity Active Exchange-Traded Fund): the counter-case, on value, valuation, technicals.
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 | MINT | PYLD | Why it matters |
|---|---|---|---|
| Expense ratio | 0.36% | 0.74% | Lower is better — it compounds against you every year you hold. |
| Holdings | 1,017 | 2,122 | More holdings means broader diversification, not better returns. |
| Average volume | 1,768,362 | 4,795,977 | Liquidity — matters most if you trade size. |
| Annualized volatility | 1.1% | 4% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -0.6% | -6.7% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | -3.39 | -2.29 | Return per unit of risk. Higher is better. |
| Beta | 0.00 | 0.16 | 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.
How much of the same holdings they own
MINT and PYLD share 0.85% of their weighted exposure across 51 common holdings.
961 holdings are unique to MINT, and 2,040 holdings are unique to PYLD. Owning both is genuinely additive — most of the capital sits in different securities.
PYLD is the more concentrated of the two: its ten largest positions are 21.6% of the fund, against 12.53% for MINT (2,122 holdings vs 1,017). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
Largest shared positions
| Holding | MINT | PYLD | Shared |
|---|---|---|---|
| KUWAIT INTL BOND SR UNSECURED 144A 07/29 5.039 5.04% 07/29/2029 | 0.33% | 0.11% | 0.11% |
| CARVANA AUTO RECEIVABLES TRUST CRVNA 2026 P2 A2 4.40% 08/10/2029 | 0.4% | 0.08% | 0.08% |
| NELNET STUDENT LOAN TRUST NSLT 2026 A A1A 144A 4.61% 02/21/2061 | 0.16% | 0.08% | 0.08% |
| M+T BANK AUTO RECEIVABLES TRUS MTBAT 2026 1A A2 144A 4.33% 07/16 | 0.3% | 0.06% | 0.06% |
| ENTERPRISE FLEET FINANCING LLC EFF 2026 1 A2 144A 4.00% 10/20/20 | 0.12% | 0.05% | 0.05% |
| SFS AUTO RECEIVABLES SECURITIZ SFAST 2026 1A A2B 144A 4.10% 08/2 | 0.17% | 0.04% | 0.04% |
| FREDDIE MAC FHR 5500 UF 4.54% 11/25/2054 | 0.04% | 0.06% | 0.04% |
| BOYCE PARK CLO, LLC BOYCE 2022 1A A1R 144A 4.73% 04/21/2035 | 0.11% | 0.03% | 0.03% |
Shared weight is the lower of the two positions — the portion of capital both funds genuinely have in the same security.
What MINT adds that PYLD doesn’t
| Holding | MINT | PYLD |
|---|---|---|
| US TREASURY N/B 06/31 4.125 4.13% 06/30/2031 | 5.76% | Not held |
| FANNIE MAE FNR 2025 18 FM 4.54% 09/25/2054 | 1% | Not held |
| FREDDIE MAC FHR 5513 MF 4.58% 11/25/2054 | 0.88% | Not held |
| SYNCHRONY BANK SR UNSECURED 08/27 5.625 5.63% 08/23/2027 | 0.79% | Not held |
| AT+T INC SR UNSECURED 08/28 VAR 4.30% 08/10/2028 | 0.74% | Not held |
| HSBC HOLDINGS PLC SR UNSECURED 06/28 VAR 4.76% 06/09/2028 | 0.73% | Not held |
What PYLD adds that MINT doesn’t
| Holding | PYLD | MINT |
|---|---|---|
| FNMA TBA 30 YR 5 SINGLE FAMILY MORTGAGE 5.00% 10/13/2056 | 4.1% | Not held |
| FNMA TBA 30 YR 6 SINGLE FAMILY MORTGAGE 6.00% 11/12/2056 | 4.01% | Not held |
| CITIGROUP REPO REPO 5807 3.63% 09/14/2026 | 3.85% | Not held |
| FNMA TBA 30 YR 4 SINGLE FAMILY MORTGAGE 4.00% 10/13/2056 | 3.06% | Not held |
| FNMA POOL MA6052 FN 05/56 FIXED 4.5 4.50% 05/01/2056 | 1.91% | Not held |
| REPO BANK AMERICA REPO 3.64% 09/14/2026 | 1.83% | Not held |
Each list is a fund’s largest positions by weight that the other fund does not hold, or holds at less than half the weight.
AIQ Agreement Matrix
1 of 4 covered evidence groups favor PYLD. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 53 vs 55 |
| Fundamentals | Not covered | Not covered |
| Valuation | MINT | Value 45 vs 36 |
| Technicals | MINT | Price vs 50-day 0% vs -1.2%; vs 200-day 0% vs -3.3% |
| Risk Resilience | PYLD | Risk Resilience 66 vs 88 |
| 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 MINT and PYLD and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 2 points. (argues the conclusion is provisional)
- Only 1 of 4 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
- Signal direction runs against the verdict: the leader is net-bearish while the laggard is net-bullish. (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 PYLD.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20PYLD lead: Reversed — MINT led by 7 AIQ points 30 sessions ago; PYLD now leads by 2.
- Today
- PYLD +2
- 53 vs 55
- 7 sessions ago
- PYLD +3
- 50 vs 53
- 30 sessions ago
- MINT +7
- 57 vs 50
- 90 sessions ago
- MINT +3
- 56 vs 53
The lead changed hands 13 times in this window, most recently on Oct 1 when PYLD moved ahead of MINT.
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.
3 bullish / 1 bearish / 2 neutral, conflicted
Only MINT
- Golden Cross Active — bullish, trend, long horizon (0.01%)
- EMA Ribbon Compression — neutral, trend, medium horizon
- 52-Week High Proximity — bullish, risk, long horizon (0.3%)
1 bullish / 3 bearish / 1 neutral, conflicted
Only PYLD
- Death Cross Active — bearish, trend, long horizon (2.01%)
- Downtrend Structure Active — bearish, trend, long horizon
Both carry 3 more signals that do not separate them: ATR Contraction - Coiling, 52-Week Low Proximity, MACD Bullish Crossover.
PYLD leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.04%, AIQ +1 points).
Price and the AIQ Score both moved up over the latest session (price +0.12%, 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.
- 1MINT closes the Risk Resilience gap — currently 22 points behind, the largest single contributor to PYLD's edge.
- 2MINT's 52-Week Low Proximity resolves — a bearish risk rule currently active against it.
- 3PYLD's conflicting signal state resolves bearish — it currently carries 1 bullish and 3 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
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
MINT leads 6 of 6 windows| Metric | MINT | PYLD |
|---|---|---|
| 1 week (5 sessions) | 0.1% | 0.1% |
| 1 month (20 sessions) | -0.1% | -1.6% |
| 3 months (63 sessions) | -0.1% | -2.9% |
| 6 months (126 sessions) | 0% | -4.2% |
| Year to date | 0.2% | -4.7% |
| 1 year (252 sessions) | 0.1% | -5.3% |
Technicals
MINT has the stronger structure| Metric | MINT | PYLD |
|---|---|---|
| RSI (14) | 49.2 | 53.1 |
| ADX (14) | 18.1 | 31.6 |
| Price vs 50-day | 0% | -1.2% |
| Price vs 200-day | 0% | -3.3% |
| Volatility (1M, annualized) | 1.2% | 4.8% |
Risk
PYLD is the more resilient| Metric | MINT | PYLD |
|---|---|---|
| Beta | 0 | 0.16 |
| Sharpe ratio | -3.39 | -2.29 |
| Sortino ratio | -2.68 | -3 |
| Max drawdown | -0.6% | -6.7% |
| Current drawdown | -0.3% | -5.9% |
| Annualized volatility | 1.1% | 4% |
| Value at risk (95%) | -0.1% | -0.5% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between MINT and PYLD?
MINT and PYLD have little in common: 1% of their weight is in the same securities.
How much do MINT and PYLD overlap?
MINT and PYLD share 0.85% of their weighted exposure across 51 common holdings. 961 holdings are unique to MINT, and 2,040 holdings are unique to PYLD. Owning both is genuinely additive — most of the capital sits in different securities.
Which ETF is more diversified, MINT or PYLD?
PYLD holds more positions: 2,122 versus 1,017 for MINT.
Which has the lower expense ratio?
MINT has the lower expense ratio, 0.36% a year against 0.74% for PYLD.
Which ETF has the higher distribution yield?
PYLD, with a trailing 12-month distribution yield of 6.59% against 4.09% for MINT.
Which ETF has been more volatile?
PYLD has been more volatile over the past year, at 4% annualized against 1.1% for MINT.
Which ETF has had the smaller drawdown?
MINT fell less from peak to trough over the past year: -0.6% against -6.7% for PYLD.
Compare MINT and PYLD 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.