ACLC vs VOO
American Century Large Cap Equity ETF vs Vanguard S&P 500 ETF
Which is better, ACLC or VOO?
Nearly the same fund. VOO costs less.
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.99. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 38.7%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | ACLC | VOO |
|---|---|---|
| Expense Ratio | 0.39% | 0.03%Best |
| AUM | $327M | $997.4B |
| Dividend Yield | 0.54% | 1.08% |
| Holdings | 101 | 509 |
| YTD Return | +10.72% | +13.37%Best |
| 1Y Return | +15.20% | +20.08%Best |
| 3Y Return (annualized) | +16.60% | +21.29%Best |
| 5Y Return (annualized) | +9.66% | +12.89%Best |
| Volatility (annualized) | 16.0% | 15.5%Best |
| Max Drawdown | -26.4% | -24.5%Best |
| $10,000 over 5 years | $15,858 | $18,335Best |
| Top 10 Weight | 38.7% | 36.4%Best |
| Fund Family | American Century Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jul 15, 2020 | Sep 7, 2010 |
Volatility and max drawdown are measured over the window both funds cover: Jul 15, 2020 to Sep 4, 2026 (6.1 years).
ACLC vs VOO growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 6.1 years both funds cover.
ACLC vs VOO Performance
American Century Large Cap Equity ETF (ACLC) is an ETF from American Century Investments and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year ACLC returned +15.20% while VOO returned +20.08%. Year to date, ACLC is up 10.72% versus a gain of 13.37% for VOO.
Over three years, ACLC compounded at +16.60% per year against +21.29% for VOO; over five years the annualized figures are +9.66% and +12.89% respectively. Across the full 6-year window we track, VOO has the edge at +16.76% annualized vs +14.16%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACLC has been the more volatile fund, with annualized monthly volatility of 16.0% compared with 15.5% for VOO. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -26.4% for ACLC and -24.5% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
ACLC charges 0.39% per year while VOO charges 0.03%. On a $10,000 position that is $39 vs $3 annually, a gap of $36 per year that compounds over a long holding period. On income, ACLC currently yields 0.54% against 1.08% for VOO.
Holdings Overlap
96.7% of ACLC's money is in holdings VOO also owns. 58.6% of VOO's money is in holdings ACLC also owns.
Most of ACLC is already inside VOO. Owning both mostly buys the same companies twice.
The two holdings books were reported 48 days apart, ACLC as of Aug 17, 2026 and VOO as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
92 positions in common, counted across the 100 positions we hold weights for in ACLC and 505 in VOO, against full books of 101 and 509.
What only one of them owns
Our book lists 405 positions for VOO that do not appear in our book for ACLC (40.9% of the fund), and 6 for ACLC that do not appear in VOO (1.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in ACLC | Weight in VOO | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 8.10% | 7.51% | 0.59% |
| AAPLApple, Inc | 4.75% | 6.59% | 1.84% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 5.54% | 4.30% | 1.24% |
| GOOGLAlphabet Inc.Class A | 6.53% | 3.25% | 3.28% |
| AMZNAmazon.Com Inc | 3.41% | 3.62% | 0.21% |
| AVGOBroadcom Inc | 3.27% | 2.77% | 0.50% |
| MUMicron Technology, Inc. | 2.06% | 2.02% | 0.04% |
| METAMeta Platform Inc | 1.52% | 1.92% | 0.40% |
| TSLATesla Motors Inc | 1.41% | 1.84% | 0.43% |
| LLYEli Lilly & Co. | 1.65% | 1.47% | 0.18% |
96.7% of ACLC is already inside VOO.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, ACLC or VOO?
ACLC has an expense ratio of 0.39% while VOO charges 0.03%. VOO is the cheaper option, by $36 a year on a $10,000 investment.
Which performed better, ACLC or VOO?
Over the past year ACLC returned +15.20% vs +20.08% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (6 years), ACLC annualized +14.16% vs +16.76% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ACLC or VOO?
ACLC has been the more volatile fund at 16.0% annualized versus 15.5% for VOO. Worst drawdown: ACLC -26.4% vs VOO -24.5%.
Should I hold both ACLC and VOO?
ACLC and VOO have a monthly-return correlation of 0.99, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between ACLC and VOO?
96.7% of ACLC's money is in holdings VOO also owns. 58.6% of VOO's is in holdings ACLC also owns. They hold 92 positions in common, counted across the 100 positions we hold weights for in ACLC and 505 in VOO.
Which pays a higher dividend, ACLC or VOO?
ACLC yields 0.54% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
Is VOO better than ACLC?
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.99. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 38.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.