FINA vs VOO
Fidelity MSCI North American Subset Index ETF vs Vanguard S&P 500 ETF
Which is better, FINA or VOO?
VOO costs less.
VOO has a lower expense ratio. FINA is less concentrated, with 35.1% of the fund in its ten largest positions against 36.4%.
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
| Metric | FINA | VOO |
|---|---|---|
| Expense Ratio | 0.09% | 0.03%Best |
| AUM | $1.2B | $997.4B |
| Dividend Yield | 0.00% | 1.04% |
| Holdings | 278 | 509 |
| YTD Return | +1.71% | +12.23%Best |
| 1Y Return | - | +18.60% |
| 3Y Return (annualized) | - | +20.98% |
| 5Y Return (annualized) | - | +12.76% |
| Top 10 Weight | 35.1%Best | 36.4% |
| Fund Family | Fidelity Investments (US) | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jul 7, 2026 | Sep 7, 2010 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
FINA vs VOO growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
FINA vs VOO Performance
Fidelity MSCI North American Subset Index ETF (FINA) is an ETF from Fidelity Investments (US) and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Year to date, FINA is up 1.71% versus a gain of 12.23% for VOO.
Past performance does not guarantee future results.
Fees and Cost Over Time
FINA charges 0.09% per year while VOO charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, FINA currently yields 0.00% against 1.04% for VOO.
Holdings Overlap
92.4% of FINA's money is in holdings VOO also owns. 85.9% of VOO's money is in holdings FINA also owns.
Most of FINA is already inside VOO. Owning both mostly buys the same companies twice.
The two holdings books were reported 62 days apart, FINA as of Aug 31, 2026 and VOO as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
231 positions in common, counted across the 270 positions we hold weights for in FINA and 505 in VOO, against full books of 278 and 509.
What only one of them owns
Our book lists 265 positions for VOO that do not appear in our book for FINA (13.7% of the fund), and 9 for FINA that do not appear in VOO (1.1%).
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
| Stock | Weight in FINA | Weight in VOO | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 7.31% | 7.51% | 0.20% |
| AAPLApple, Inc | 6.67% | 6.59% | 0.08% |
| MSFTMicrosoft Corp | 5.16% | 4.30% | 0.86% |
| AMZNAmazon.Com Inc | 3.60% | 3.62% | 0.02% |
| GOOGLAlphabet Inc,class A | 3.14% | 3.25% | 0.11% |
| AVGOBroadcom Inc | 2.39% | 2.77% | 0.38% |
| GOOGAlphabet Inc. C | 1.91% | 2.59% | 0.68% |
| METAMeta Platform Inc | 1.82% | 1.92% | 0.10% |
| MUMicron Technology, Inc. | 1.58% | 2.02% | 0.44% |
| TSLATesla Motors Inc | 1.49% | 1.84% | 0.35% |
92.4% of FINA 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.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FINA or VOO?
FINA has an expense ratio of 0.09% while VOO charges 0.03%. VOO is the cheaper option, by $6 a year on a $10,000 investment.
What is the holdings overlap between FINA and VOO?
92.4% of FINA's money is in holdings VOO also owns. 85.9% of VOO's is in holdings FINA also owns. They hold 231 positions in common, counted across the 270 positions we hold weights for in FINA and 505 in VOO.
Which pays a higher dividend, FINA or VOO?
FINA yields 0.00% while VOO yields 1.04%, so VOO currently pays the higher dividend yield.
Is VOO better than FINA?
VOO has a lower expense ratio. FINA is less concentrated, with 35.1% of the fund in its ten largest positions against 36.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.