VIDY.TO vs. HISU-U.TO

Last updated Jun 4, 2026

VIDY.TO (Vanguard FTSE Developed ex North America High Dividend Yield Index ETF) and HISU-U.TO (Evolve US High Interest Savings Account Fund) are both exchange-traded funds - VIDY.TO is a Foreign Large Cap Equities fund tracking the FTSE Developed ex North America High Dividend Yield Index, while HISU-U.TO is a Money Market fund actively managed by Evolve. VIDY.TO is passively managed, while HISU-U.TO is actively managed. Over the past 3 years, VIDY.TO returned 22.64%/yr vs 4.59%/yr for HISU-U.TO. At a correlation of -0.21, they often move in opposite directions. VIDY.TO charges 0.31%/yr vs 0.15%/yr for HISU-U.TO.

Performance

VIDY.TO vs. HISU-U.TO - Performance Comparison

The chart below illustrates the hypothetical performance of a CA$10,000 investment in Vanguard FTSE Developed ex North America High Dividend Yield Index ETF (VIDY.TO) and Evolve US High Interest Savings Account Fund (HISU-U.TO). The values are adjusted to include any dividend payments, if applicable.

Different Trading Currencies

VIDY.TO is traded in CAD, while HISU-U.TO is traded in USD. To make them comparable, the HISU-U.TO values have been converted to CAD using the latest available exchange rates.

Returns By Period

In the year-to-date period, VIDY.TO achieves a 10.45% return, which is significantly higher than HISU-U.TO's 2.33% return.

VIDY.TO

• 1D: -0.53%
• 1M: 3.26%
• YTD: 10.45%
• 6M: 11.80%
• 1Y: 27.71%
• 3Y*: 22.64%
• 5Y*: 15.12%
• 10Y*: —

HISU-U.TO

• 1D: 0.42%
• 1M: 2.21%
• YTD: 2.33%
• 6M: 0.87%
• 1Y: 4.08%
• 3Y*: 4.59%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

VIDY.TO vs. HISU-U.TO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022
VIDY.TO Vanguard FTSE Developed ex North America High Dividend Yield Index ETF	10.45%	34.37%	13.41%	15.46%	11.97%
HISU-U.TO Evolve US High Interest Savings Account Fund	2.33%	-1.75%	12.72%	1.60%	4.39%

Correlation

The correlation between VIDY.TO and HISU-U.TO is -0.09, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	-0.09
Correlation (3Y) Calculated over the trailing 3-year period	-0.17
Correlation (All Time) Calculated using the full available price history since Aug 31, 2022	-0.21

The correlation between VIDY.TO and HISU-U.TO shifts across timeframes, from -0.21 (all time) to -0.09 (1 year), reflecting how their relationship changes across market environments.

Return for Risk

VIDY.TO vs. HISU-U.TO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

VIDY.TO

VIDY.TO Risk / Return Rank: 59
VIDY.TO Sharpe Ratio Rank: 62
VIDY.TO Sortino Ratio Rank: 62
VIDY.TO Omega Ratio Rank: 62
VIDY.TO Calmar Ratio Rank: 53
VIDY.TO Martin Ratio Rank: 57

HISU-U.TO

HISU-U.TO Risk / Return Rank: 99
HISU-U.TO Sharpe Ratio Rank: 99
HISU-U.TO Sortino Ratio Rank: 99
HISU-U.TO Omega Ratio Rank: 99
HISU-U.TO Calmar Ratio Rank: 99
HISU-U.TO Martin Ratio Rank: 99

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VIDY.TO vs. HISU-U.TO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard FTSE Developed ex North America High Dividend Yield Index ETF (VIDY.TO) and Evolve US High Interest Savings Account Fund (HISU-U.TO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	VIDY.TO	HISU-U.TO	Difference
Sharpe ratio: Return per unit of total volatility	2.11	0.90	+1.22
Sortino ratio: Return per unit of downside risk	2.94	1.25	+1.69
Omega ratio: Gain probability vs. loss probability	1.38	1.16	+0.22
Calmar ratio: Return relative to maximum drawdown	2.66	1.02	+1.63
Martin ratio: Return relative to average drawdown	10.28	2.66	+7.61
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VIDY.TO vs. HISU-U.TO - Sharpe Ratio Comparison

The current VIDY.TO Sharpe Ratio is 2.11, which is higher than the HISU-U.TO Sharpe Ratio of 0.90. The chart below compares the historical Sharpe Ratios of VIDY.TO and HISU-U.TO, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	VIDY.TO	HISU-U.TO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.11	0.90	+1.22
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	1.13	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.72	0.85	-0.13

Drawdowns

VIDY.TO vs. HISU-U.TO - Drawdown Comparison

The maximum VIDY.TO drawdown since its inception was -31.99%, which is greater than HISU-U.TO's maximum drawdown of -5.49%. Use the drawdown chart below to compare losses from any high point for VIDY.TO and HISU-U.TO.

Drawdown Indicators

	VIDY.TO	HISU-U.TO	Difference
Max Drawdown Largest peak-to-trough decline	-31.99%	-5.49%	-26.50%
Max Drawdown (1Y) Largest decline over 1 year	-10.48%	-4.01%	-6.47%
Max Drawdown (3Y) Largest decline over 3 years	-13.89%	-5.49%	-8.40%
Max Drawdown (5Y) Largest decline over 5 years	-19.02%	—	—
Current Drawdown Current decline from peak	-2.28%	-0.69%	-1.59%
Average Drawdown Average peak-to-trough decline	-4.25%	-1.78%	-2.47%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.70%	1.54%	+1.16%

Volatility

VIDY.TO vs. HISU-U.TO - Volatility Comparison

Vanguard FTSE Developed ex North America High Dividend Yield Index ETF (VIDY.TO) has a higher volatility of 4.18% compared to Evolve US High Interest Savings Account Fund (HISU-U.TO) at 0.79%. This indicates that VIDY.TO's price experiences larger fluctuations and is considered to be riskier than HISU-U.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VIDY.TO	HISU-U.TO	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.18%	0.79%	+3.39%
Volatility (6M) Calculated over the trailing 6-month period	10.59%	3.43%	+7.16%
Volatility (1Y) Calculated over the trailing 1-year period	13.21%	4.58%	+8.63%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.41%	5.94%	+7.47%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.44%	5.94%	+10.50%

VIDY.TO vs. HISU-U.TO - Expense Ratio Comparison

VIDY.TO has a 0.31% expense ratio, which is higher than HISU-U.TO's 0.15% expense ratio.

Dividends

VIDY.TO vs. HISU-U.TO - Dividend Comparison

VIDY.TO's dividend yield for the trailing twelve months is around 2.47%, less than HISU-U.TO's 2.74% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018
HISU-U.TO Evolve US High Interest Savings Account Fund	2.74%	2.93%	3.70%	3.85%	0.90%	0.00%	0.00%	0.00%	0.00%
VIDY.TO Vanguard FTSE Developed ex North America High Dividend Yield Index ETF	2.47%	2.80%	3.59%	3.89%	4.37%	3.28%	3.34%	3.36%	0.93%

Frequently Asked Questions

Can I hold both VIDY.TO and HISU-U.TO in my portfolio?

VIDY.TO and HISU-U.TO have a correlation of -0.09, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, VIDY.TO or HISU-U.TO?

On fees, HISU-U.TO is cheaper at 0.15% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, VIDY.TO or HISU-U.TO?

HISU-U.TO is cheaper with a 0.15% expense ratio, compared with 0.31% for VIDY.TO.

What is the main difference between VIDY.TO and HISU-U.TO?

VIDY.TO is categorized as Foreign Large Cap Equities, while HISU-U.TO is Money Market. They also come from different issuers: Vanguard and Evolve. Their fees differ too: 0.31% for VIDY.TO and 0.15% for HISU-U.TO.