Hoya Capital Housing ETF

Hoya Capital Housing ETF (HOMZ) tracks the Hoya Capital Housing 100 Index: 100 U.S. housing-related companies, from landlords and homebuilders to home-improvement retailers, furnishings companies and mortgage lenders. That makes it broader than the funds most similar by holdings, which mostly own REITs (real estate investment trusts, companies that own and rent out property). It sets target weights for each housing segment, costs 0.30% a year and pays income monthly.

• Over the year to Oct 27, 2026, HOMZ returned -6.6%, 6th of 6 among similar funds.
• Its 5-year annualized return was +2.3%.
• In the 2020 COVID crash it fell 48.1% and regained its old high 6.4 months after the low.
• Its worst full calendar year was 2022 (-28.1%); its best was 2021 (+41.0%).
• The deepest fall in its price history was 48.1% (Feb 20, 2020 to Mar 23, 2020), recovered by Oct 5, 2020.

As of May 31, 2026, the fund held 96 securities; the ten largest made up 19.67% of assets.

• Over the three months to May 31, 2026, investors added a net $0.00 (creations minus redemptions, per the N-PORT report).
• Monthly total returns reported for that quarter: -11.03%, +6.74%, -2.30%.

HOMZ, offered by Pettee Investors, follows rules rather than a manager's picks: it tracks the Hoya Capital Housing 100 Index, built in 2018 by Hoya Capital Index Innovations, LLC. The index keeps U.S.-listed companies with significant business in one of four housing segments, minus those with too few publicly available shares or too little trading.

Segment weights approximate each one's share of U.S. economic output: 30% home ownership and rental (20 REITs and real estate operators at 1.50% each); 30% building and construction (10 homebuilders at 1.50%, 20 building-products makers at 0.75%); 20% home improvement and furnishings (two home-improvement retailers at 3.00%, 18 home-goods firms at 0.78%); and 20% financing, technology and services (16 mortgage lenders, 8 insurers and 6 real estate service firms at 0.67%). The index picks each group's largest companies by market value, then weights them equally.

Each June and December the index refreshes its members and resets weights to target; in between, weights drift with prices. The provider may shift a segment up to 10 percentage points from target. The fund normally holds every index stock in similar proportions and keeps at least 80% of net assets in housing-related companies. As of May 31, 2026, it held 96 stocks; Home Depot and Lowe's led at about 3% each, and the top ten totaled 19.67%.

• HOMZ charges 0.3% a year, versus an average of 0.35% for the similar funds below (3rd of 6, cheapest first).
• Using the prospectus's standard example, $10,000 invested would cost about $31 in the first year and $381 over 10 years (assuming a 5% annual return).

HOMZ is a concentrated bet on one industry, U.S. housing, and has fallen as much as 48.1%, so it fits better as a small add-on than as a portfolio's foundation.

HOMZ could add housing exposure, from landlords to builders, retailers and lenders, plus monthly income: a trailing 12-month yield (the past year's payouts divided by price) of 2.98% as of October 27, 2026, for a 0.30% annual fee. But in the 2020 COVID crash it lost 48.1% from February 20 to March 23, 2020, recovering about six months later, by October 5, 2020. In the 2022 bear market it dropped 32.3% and did not regain its high until March 7, 2024; 2022 was its worst calendar year, down 28.14%. Launched in 2019, it has no 2008 record.

For someone drawing income, a slide like 2022's could mean cashing out shares at depressed prices for well over a year, one reason some retirees keep near-term spending money in steadier assets. Past results don't predict future ones, and a plan should consider the whole portfolio, not one fund.

Matched by holdings overlap from the latest N-PORT reports.