CRDT vs VOO
Simplify Opportunistic Income 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 509 holdings.
Side-by-Side Comparison
| Metric | CRDT | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.03% | |
| AUM | $36M | $997.4B | |
| Dividend Yield | 5.95% | 1.08% | |
| Holdings | 54 | 509 | |
| YTD Return | +5.32% | +14.27% | |
| 1Y Return | +4.77% | +21.79% | |
| 3Y Return (annualized) | +4.55% | +22.19% | |
| 5Y Return (annualized) | - | +13.28% | |
| Volatility (annualized) | 5.7% | 14.2% | |
| Max Drawdown | -9.8% | -34.3% | |
| Fund Family | Simplify Exchange Traded Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 26, 2023 | Sep 7, 2010 |
CRDT vs VOO Performance
Simplify Opportunistic Income ETF (CRDT) is a ETF from Simplify Exchange Traded Funds and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year CRDT returned +4.77% while VOO returned +21.79%. Year to date, CRDT is up 5.32% versus a gain of 14.27% for VOO.
Over three years, CRDT compounded at +4.55% per year against +22.19% for VOO. Across the full 3-year window we track, VOO has the edge at +13.59% annualized vs +4.83%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 5.7% for CRDT. 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 -9.8% for CRDT 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
CRDT charges 0.99% per year while VOO charges 0.03%. On a $10,000 position that is $99 vs $3 annually, a gap of $96 per year that compounds over a long holding period. On income, CRDT currently yields 5.95% against 1.08% for VOO.
Holdings Overlap
CRDT and VOO share 0 holdings out of 522 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRDT or VOO?
CRDT has an expense ratio of 0.99% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, CRDT or VOO?
Over the past year CRDT returned +4.77% vs +21.79% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (3 years), CRDT annualized +4.83% vs +13.59% for VOO. Past performance does not guarantee future results.
Which is riskier, CRDT or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 5.7% for CRDT. Worst drawdown: CRDT -9.8% vs VOO -34.3%.
Should I hold both CRDT and VOO?
CRDT and VOO have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRDT and VOO?
CRDT and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 522 unique securities.
Which pays a higher dividend, CRDT or VOO?
CRDT yields 5.95% while VOO yields 1.08%, so CRDT 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.