BPAY vs VOO
iShares FinTech Active ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | BPAY | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $9M | $979.0B | |
| Dividend Yield | 7.10% | 1.09% | |
| Holdings | 42 | 509 | |
| YTD Return | -0.84% | +13.44% | |
| 1Y Return | -10.10% | +22.62% | |
| 3Y Return (annualized) | +10.50% | +21.47% | |
| 5Y Return (annualized) | - | +13.27% | |
| Volatility (annualized) | 24.3% | 14.1% | |
| Max Drawdown | -33.6% | -34.3% | |
| Fund Family | BlackRock, Inc. (US) | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 16, 2022 | Sep 7, 2010 |
BPAY vs VOO Performance
iShares FinTech Active ETF (BPAY) is a ETF from BlackRock, Inc. (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year BPAY returned -10.10% while VOO returned +22.62%. Year to date, BPAY is down 0.84% versus a gain of 13.44% for VOO.
Over three years, BPAY compounded at +10.50% per year against +21.47% for VOO. Across the full 4-year window we track, VOO has the edge at +13.55% annualized vs +4.70%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BPAY has been the more volatile fund, with annualized monthly volatility of 24.3% compared with 14.1% 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 -33.6% for BPAY and -34.3% for VOO. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BPAY charges 0.55% per year while VOO charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, BPAY currently yields 7.10% against 1.09% for VOO.
Holdings Overlap
BPAY and VOO share 11 holdings out of 533 unique holdings combined, representing a 2.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BPAY or VOO?
BPAY has an expense ratio of 0.55% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, BPAY or VOO?
Over the past year BPAY returned -10.10% vs +22.62% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), BPAY annualized +4.70% vs +13.55% for VOO. Past performance does not guarantee future results.
Which is riskier, BPAY or VOO?
BPAY has been the more volatile fund at 24.3% annualized versus 14.1% for VOO. Worst drawdown: BPAY -33.6% vs VOO -34.3%.
Should I hold both BPAY and VOO?
BPAY and VOO have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BPAY and VOO?
BPAY and VOO share 11 common holdings with a 2.5% weight overlap. Combined, they hold 533 unique securities.
Which pays a higher dividend, BPAY or VOO?
BPAY yields 7.10% while VOO yields 1.09%, so BPAY currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.