CSHI vs VOO
NEOS Enhanced Income 1-3 Month T-Bill 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 | CSHI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.03% | |
| AUM | $1.5B | $979.0B | |
| Dividend Yield | 4.87% | 1.09% | |
| Holdings | 22 | 509 | |
| YTD Return | +2.68% | +13.72% | |
| 1Y Return | +4.62% | +21.63% | |
| 3Y Return (annualized) | +5.22% | +21.55% | |
| 5Y Return (annualized) | - | +13.26% | |
| Volatility (annualized) | 0.6% | 14.1% | |
| Max Drawdown | -1.7% | -34.3% | |
| Fund Family | NEOS | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 30, 2022 | Sep 7, 2010 |
CSHI vs VOO Performance
NEOS Enhanced Income 1-3 Month T-Bill ETF (CSHI) is a ETF from NEOS and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year CSHI returned +4.62% while VOO returned +21.63%. Year to date, CSHI is up 2.68% versus a gain of 13.72% for VOO.
Over three years, CSHI compounded at +5.22% per year against +21.55% for VOO. Across the full 4-year window we track, VOO has the edge at +13.56% annualized vs +5.33%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 0.6% for CSHI. 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 -1.7% for CSHI 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CSHI 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, CSHI currently yields 4.87% against 1.09% for VOO.
Holdings Overlap
CSHI and VOO share 0 holdings out of 512 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, CSHI or VOO?
CSHI has an expense ratio of 0.39% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, CSHI or VOO?
Over the past year CSHI returned +4.62% vs +21.63% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), CSHI annualized +5.33% vs +13.56% for VOO. Past performance does not guarantee future results.
Which is riskier, CSHI or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 0.6% for CSHI. Worst drawdown: CSHI -1.7% vs VOO -34.3%.
Should I hold both CSHI and VOO?
CSHI and VOO have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CSHI and VOO?
CSHI and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 512 unique securities.
Which pays a higher dividend, CSHI or VOO?
CSHI yields 4.87% while VOO yields 1.09%, so CSHI currently pays the higher dividend yield.
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