CRED vs VOO
Columbia Research Enhanced Real Estate 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 | CRED | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.33% | 0.03% | |
| AUM | $3M | $979.0B | |
| Dividend Yield | 4.61% | 1.09% | |
| Holdings | 67 | 509 | |
| YTD Return | -0.40% | +13.80% | |
| 1Y Return | -6.09% | +23.71% | |
| 3Y Return (annualized) | +2.35% | +21.50% | |
| 5Y Return (annualized) | - | +13.44% | |
| Volatility (annualized) | 18.0% | 14.1% | |
| Max Drawdown | -17.6% | -34.3% | |
| Fund Family | Columbia Threadneedle Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 26, 2023 | Sep 7, 2010 |
CRED vs VOO Performance
Columbia Research Enhanced Real Estate ETF (CRED) is a ETF from Columbia Threadneedle Investments and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year CRED returned -6.09% while VOO returned +23.71%. Year to date, CRED is down 0.40% versus a gain of 13.80% for VOO.
Over three years, CRED compounded at +2.35% per year against +21.50% for VOO. Across the full 3-year window we track, VOO has the edge at +13.58% annualized vs +4.25%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CRED 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 -17.6% for CRED 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CRED charges 0.33% per year while VOO charges 0.03%. On a $10,000 position that is $33 vs $3 annually, a gap of $30 per year that compounds over a long holding period. On income, CRED currently yields 4.61% against 1.09% for VOO.
Holdings Overlap
CRED and VOO share 14 holdings out of 557 unique holdings combined, representing a 1.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CRED or VOO?
CRED has an expense ratio of 0.33% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $30 per year of difference.
Which performed better, CRED or VOO?
Over the past year CRED returned -6.09% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (3 years), CRED annualized +4.25% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, CRED or VOO?
CRED has been the more volatile fund at 18.0% annualized versus 14.1% for VOO. Worst drawdown: CRED -17.6% vs VOO -34.3%.
Should I hold both CRED and VOO?
CRED and VOO have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRED and VOO?
CRED and VOO share 14 common holdings with a 1.0% weight overlap. Combined, they hold 557 unique securities.
Which pays a higher dividend, CRED or VOO?
CRED yields 4.61% while VOO yields 1.09%, so CRED currently pays the higher dividend yield.
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