CZAR vs VOO

CZAR vs VOO

Which is better, CZAR or VOO?

VOO has been ahead.

VOO has a lower expense ratio. VOO led over 1Y and the full window. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 41.4%.

Lower Fees: VOOHigher Returns: VOOLess Concentrated: VOO

MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.

Side-by-Side Comparison

MetricCZARVOO
Expense Ratio0.35%0.03%Best
AUM$2M$997.4B
Dividend Yield1.42%1.04%
Holdings218509
Volatility (annualized)9.6%Best12.2%
Max Drawdown-13.4%Best-18.7%
$10,000 over 2.6 years$13,383$16,243Best
Top 10 Weight41.4%37.6%Best
Fund FamilyThemes ETFsVanguard (US)
CategoryEquityEquity
StyleLarge Cap BlendLarge Cap Blend
InceptionDec 13, 2023Sep 7, 2010

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).

The two price series end 52 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. CZAR has data through Jul 28, 2026 and VOO through Sep 18, 2026.

Volatility and max drawdown, and the $10,000 over 2.6 years row, are measured over the window both funds cover: Dec 13, 2023 to Jul 28, 2026 (2.6 years).

Risk: Volatility and Drawdowns

VOO has been the more volatile fund, with annualized monthly volatility of 12.2% compared with 9.6% for CZAR. 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 -13.4% for CZAR and -18.7% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.

The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

CZAR charges 0.35% per year while VOO charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, CZAR currently yields 1.42% against 1.04% for VOO.

Holdings Overlap

CZAR already in VOO61.8%
VOO already in CZAR21.5%

61.8% of CZAR's money is in holdings VOO also owns. 21.5% of VOO's money is in holdings CZAR also owns.

The two portfolios partly overlap.

43 positions in common, counted across the 94 positions we hold weights for in CZAR and 494 in VOO, against full books of 218 and 509.

What only one of them owns

Our book lists 444 positions for VOO that do not appear in our book for CZAR (77.6% of the fund), and 5 for CZAR that do not appear in VOO (1.7%).

Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.

Top Shared Holdings

StockWeight in CZARWeight in VOODifference
NVDANvidia Corp4.68%7.55%2.87%
CSCOCisco Systems Inc. - Ordinary Shares4.65%0.71%3.94%
AMZNAmazon.Com Inc1.13%4.13%3.00%
MSIMotorola Solutions, Inc4.87%0.11%4.76%
METAMeta Platforms Inc2.75%1.90%0.85%
VVisa Inc Class A3.47%0.93%2.54%
MAMastercard Inc3.48%0.72%2.76%
CMECme Group, Cl A3.79%0.15%3.64%
BLKBlackrock Funding Inc/De3.61%0.24%3.37%
IBKRInteractive Brokers Group Inc3.48%0.06%3.42%

61.8% of CZAR is already inside VOO.

You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.

CZARVOO

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Frequently Asked Questions

Which is cheaper, CZAR or VOO?

CZAR has an expense ratio of 0.35% while VOO charges 0.03%. VOO is the cheaper option, by $32 a year on a $10,000 investment.

Which is riskier, CZAR or VOO?

VOO has been the more volatile fund at 12.2% annualized versus 9.6% for CZAR. Worst drawdown: CZAR -13.4% vs VOO -18.7%.

Should I hold both CZAR and VOO?

CZAR and VOO have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

What is the holdings overlap between CZAR and VOO?

61.8% of CZAR's money is in holdings VOO also owns. 21.5% of VOO's is in holdings CZAR also owns. They hold 43 positions in common, counted across the 94 positions we hold weights for in CZAR and 494 in VOO.

Which pays a higher dividend, CZAR or VOO?

CZAR yields 1.42% while VOO yields 1.04%, so CZAR currently pays the higher dividend yield.

Is VOO better than CZAR?

VOO has a lower expense ratio. VOO led over 1Y and the full window. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 41.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.