FFIU vs VOO
Fieldstone UVA Unconstrained Medium-Term Fixed Income 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 | FFIU | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.54% | 0.03% | |
| AUM | $53M | $979.0B | |
| Dividend Yield | 4.07% | 1.09% | |
| Holdings | 131 | 509 | |
| YTD Return | -0.14% | +13.80% | |
| 1Y Return | +2.05% | +23.71% | |
| 3Y Return (annualized) | +3.64% | +21.50% | |
| 5Y Return (annualized) | -0.75% | +13.44% | |
| Volatility (annualized) | 6.3% | 14.1% | |
| Max Drawdown | -20.4% | -34.3% | |
| Fund Family | Spinnaker ETF Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 18, 2017 | Sep 7, 2010 |
FFIU vs VOO Performance
Fieldstone UVA Unconstrained Medium-Term Fixed Income ETF (FFIU) is a ETF from Spinnaker ETF Series and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year FFIU returned +2.05% while VOO returned +23.71%. Year to date, FFIU is down 0.14% versus a gain of 13.80% for VOO.
Over three years, FFIU compounded at +3.64% per year against +21.50% for VOO; over five years the annualized figures are -0.75% and +13.44% respectively. Across the full 9-year window we track, VOO has the edge at +13.58% annualized vs +0.35%. 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 6.3% for FFIU. 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 -20.4% for FFIU 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FFIU charges 0.54% per year while VOO charges 0.03%. On a $10,000 position that is $54 vs $3 annually, a gap of $51 per year that compounds over a long holding period. On income, FFIU currently yields 4.07% against 1.09% for VOO.
Holdings Overlap
FFIU and VOO share 0 holdings out of 624 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, FFIU or VOO?
FFIU has an expense ratio of 0.54% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $51 per year of difference.
Which performed better, FFIU or VOO?
Over the past year FFIU returned +2.05% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (9 years), FFIU annualized +0.35% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, FFIU or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 6.3% for FFIU. Worst drawdown: FFIU -20.4% vs VOO -34.3%.
Should I hold both FFIU and VOO?
FFIU and VOO have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FFIU and VOO?
FFIU and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 624 unique securities.
Which pays a higher dividend, FFIU or VOO?
FFIU yields 4.07% while VOO yields 1.09%, so FFIU 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.