DIAL vs VOO
Columbia Diversified Fixed Income Allocation ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. DIAL offers more diversification with 686 holdings.
Side-by-Side Comparison
| Metric | DIAL | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.03% | |
| AUM | $390M | $997.4B | |
| Dividend Yield | 5.12% | 1.08% | |
| Holdings | 686 | 509 | |
| YTD Return | +0.86% | +14.27% | |
| 1Y Return | +3.56% | +21.79% | |
| 3Y Return (annualized) | +6.15% | +22.19% | |
| 5Y Return (annualized) | +0.36% | +13.28% | |
| Volatility (annualized) | 7.4% | 14.2% | |
| Max Drawdown | -22.2% | -34.3% | |
| Fund Family | Columbia Threadneedle Investments | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 12, 2017 | Sep 7, 2010 |
DIAL vs VOO Performance
Columbia Diversified Fixed Income Allocation ETF (DIAL) is a ETF from Columbia Threadneedle Investments and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year DIAL returned +3.56% while VOO returned +21.79%. Year to date, DIAL is up 0.86% versus a gain of 14.27% for VOO.
Over three years, DIAL compounded at +6.15% per year against +22.19% for VOO; over five years the annualized figures are +0.36% and +13.28% respectively. Across the full 9-year window we track, VOO has the edge at +13.59% annualized vs +1.21%. 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 7.4% for DIAL. 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 -22.2% for DIAL 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DIAL charges 0.29% per year while VOO charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, DIAL currently yields 5.12% against 1.08% for VOO.
Holdings Overlap
DIAL and VOO share 1 holdings out of 918 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in DIAL | Weight in VOO | Difference |
|---|---|---|---|
| CMS | 0.03% | 0.04% | 0.01% |
Frequently Asked Questions
Which is cheaper, DIAL or VOO?
DIAL has an expense ratio of 0.29% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, DIAL or VOO?
Over the past year DIAL returned +3.56% vs +21.79% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (9 years), DIAL annualized +1.21% vs +13.59% for VOO. Past performance does not guarantee future results.
Which is riskier, DIAL or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 7.4% for DIAL. Worst drawdown: DIAL -22.2% vs VOO -34.3%.
Should I hold both DIAL and VOO?
DIAL and VOO have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DIAL and VOO?
DIAL and VOO share 1 common holdings with a 0.0% weight overlap. Combined, they hold 918 unique securities.
Which pays a higher dividend, DIAL or VOO?
DIAL yields 5.12% while VOO yields 1.08%, so DIAL 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.