FDLS vs VOO
Inspire Fidelis Multi Factor ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. FDLS delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | FDLS | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $244M | $997.4B | |
| Dividend Yield | 0.80% | 1.08% | |
| Holdings | 101 | 509 | |
| YTD Return | +21.24% | +12.95% | |
| 1Y Return | +32.28% | +20.69% | |
| 3Y Return (annualized) | +20.33% | +22.09% | |
| 5Y Return (annualized) | - | +13.40% | |
| Volatility (annualized) | 18.6% | 14.1% | |
| Max Drawdown | -23.3% | -34.3% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Aug 23, 2022 | Sep 7, 2010 |
FDLS vs VOO Performance
Inspire Fidelis Multi Factor ETF (FDLS) is a ETF from Inspire ETFs and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year FDLS returned +32.28% while VOO returned +20.69%. Year to date, FDLS is up 21.24% versus a gain of 12.95% for VOO.
Over three years, FDLS compounded at +20.33% per year against +22.09% for VOO. Across the full 4-year window we track, FDLS has the edge at +17.53% annualized vs +13.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FDLS has been the more volatile fund, with annualized monthly volatility of 18.6% 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 -23.3% for FDLS 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FDLS charges 0.69% per year while VOO charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, FDLS currently yields 0.80% against 1.08% for VOO.
Holdings Overlap
FDLS and VOO share 20 holdings out of 586 unique holdings combined, representing a 2.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, FDLS or VOO?
FDLS has an expense ratio of 0.69% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, FDLS or VOO?
Over the past year FDLS returned +32.28% vs +20.69% for VOO, so FDLS leads on 1-year performance. Over the longest common window we track (4 years), FDLS annualized +17.53% vs +13.50% for VOO. Past performance does not guarantee future results.
Which is riskier, FDLS or VOO?
FDLS has been the more volatile fund at 18.6% annualized versus 14.1% for VOO. Worst drawdown: FDLS -23.3% vs VOO -34.3%.
Should I hold both FDLS and VOO?
FDLS and VOO have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FDLS and VOO?
FDLS and VOO share 20 common holdings with a 2.1% weight overlap. Combined, they hold 586 unique securities.
Which pays a higher dividend, FDLS or VOO?
FDLS yields 0.80% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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