DFIC vs VOO
Dimensional International Core Equity 2 ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. DFIC delivered stronger 1-year returns. DFIC offers more diversification with 3969 holdings.
Side-by-Side Comparison
| Metric | DFIC | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.22% | 0.03% | |
| AUM | $14.5B | $979.0B | |
| Dividend Yield | 2.43% | 1.09% | |
| Holdings | 4,111 | 509 | |
| YTD Return | +12.50% | +13.79% | |
| 1Y Return | +24.95% | +23.01% | |
| 3Y Return (annualized) | +19.73% | +21.78% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 16.0% | 14.1% | |
| Max Drawdown | -24.4% | -34.3% | |
| Fund Family | Dimensional | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 23, 2022 | Sep 7, 2010 |
DFIC vs VOO Performance
Dimensional International Core Equity 2 ETF (DFIC) is a ETF from Dimensional and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year DFIC returned +24.95% while VOO returned +23.01%. Year to date, DFIC is up 12.50% versus a gain of 13.79% for VOO.
Over three years, DFIC compounded at +19.73% per year against +21.78% for VOO. Across the full 4-year window we track, VOO has the edge at +13.57% annualized vs +13.27%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DFIC has been the more volatile fund, with annualized monthly volatility of 16.0% 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 -24.4% for DFIC 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DFIC charges 0.22% per year while VOO charges 0.03%. On a $10,000 position that is $22 vs $3 annually, a gap of $19 per year that compounds over a long holding period. On income, DFIC currently yields 2.43% against 1.09% for VOO.
Holdings Overlap
DFIC and VOO share 5 holdings out of 4469 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, DFIC or VOO?
DFIC has an expense ratio of 0.22% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, DFIC or VOO?
Over the past year DFIC returned +24.95% vs +23.01% for VOO, so DFIC leads on 1-year performance. Over the longest common window we track (4 years), DFIC annualized +13.27% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, DFIC or VOO?
DFIC has been the more volatile fund at 16.0% annualized versus 14.1% for VOO. Worst drawdown: DFIC -24.4% vs VOO -34.3%.
Should I hold both DFIC and VOO?
DFIC and VOO have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DFIC and VOO?
DFIC and VOO share 5 common holdings with a 0.1% weight overlap. Combined, they hold 4469 unique securities.
Which pays a higher dividend, DFIC or VOO?
DFIC yields 2.43% while VOO yields 1.09%, so DFIC currently pays the higher dividend yield.
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