CCIF vs VOO
Carlyle Credit Income Fund 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 | CCIF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 13.82% | 0.03% | |
| AUM | $56M | $979.0B | |
| Dividend Yield | 38.71% | 1.09% | |
| Holdings | 45 | 509 | |
| YTD Return | -33.00% | +13.79% | |
| 1Y Return | -35.22% | +23.01% | |
| 3Y Return (annualized) | -15.20% | +21.78% | |
| 5Y Return (annualized) | -9.50% | +13.39% | |
| Volatility (annualized) | 18.0% | 14.1% | |
| Max Drawdown | -55.6% | -34.3% | |
| Fund Family | Carlyle Credit Income Fund | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Dec 30, 2011 | Sep 7, 2010 |
CCIF vs VOO Performance
Carlyle Credit Income Fund (CCIF) is a ETF from Carlyle Credit Income Fund and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year CCIF returned -35.22% while VOO returned +23.01%. Year to date, CCIF is down 33.00% versus a gain of 13.79% for VOO.
Over three years, CCIF compounded at -15.20% per year against +21.78% for VOO; over five years the annualized figures are -9.50% and +13.39% respectively. Across the full 14-year window we track, VOO has the edge at +13.57% annualized vs -2.99%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CCIF has been the more volatile fund, with annualized monthly volatility of 18.0% 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 -55.6% for CCIF 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CCIF charges 13.82% per year while VOO charges 0.03%. On a $10,000 position that is $1382 vs $3 annually, a gap of $1379 per year that compounds over a long holding period. On income, CCIF currently yields 38.71% against 1.09% for VOO.
Frequently Asked Questions
Which is cheaper, CCIF or VOO?
CCIF has an expense ratio of 13.82% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $1379 per year of difference.
Which performed better, CCIF or VOO?
Over the past year CCIF returned -35.22% vs +23.01% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (14 years), CCIF annualized -2.99% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, CCIF or VOO?
CCIF has been the more volatile fund at 18.0% annualized versus 14.1% for VOO. Worst drawdown: CCIF -55.6% vs VOO -34.3%.
Should I hold both CCIF and VOO?
CCIF and VOO have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, CCIF or VOO?
CCIF yields 38.71% while VOO yields 1.09%, so CCIF currently pays the higher dividend yield.
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