FINS vs VOO
Angel Oak Financial Strategies Income Term Trust vs Vanguard S&P 500 ETF
Quick Verdict
VOO delivered stronger 1-year returns. VOO offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | FINS | VOO | Winner |
|---|---|---|---|
| Expense Ratio | - | 0.03% | |
| AUM | $449M | $979.0B | |
| Dividend Yield | 10.11% | 1.09% | |
| Holdings | 242 | 509 | |
| YTD Return | +2.00% | +13.72% | |
| 1Y Return | +6.65% | +21.63% | |
| 3Y Return (annualized) | +12.66% | +21.55% | |
| 5Y Return (annualized) | +1.97% | +13.26% | |
| Volatility (annualized) | 10.5% | 14.1% | |
| Max Drawdown | -41.5% | -34.3% | |
| Fund Family | Angel Oak Capital Advisors | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 29, 2019 | Sep 7, 2010 |
FINS vs VOO Performance
Angel Oak Financial Strategies Income Term Trust (FINS) is a ETF from Angel Oak Capital Advisors and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year FINS returned +6.65% while VOO returned +21.63%. Year to date, FINS is up 2.00% versus a gain of 13.72% for VOO.
Over three years, FINS compounded at +12.66% per year against +21.55% for VOO; over five years the annualized figures are +1.97% and +13.26% respectively. Across the full 7-year window we track, VOO has the edge at +13.56% annualized vs +0.74%. 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 10.5% for FINS. 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 -41.5% for FINS 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Holdings Overlap
Frequently Asked Questions
Which performed better, FINS or VOO?
Over the past year FINS returned +6.65% vs +21.63% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (7 years), FINS annualized +0.74% vs +13.56% for VOO. Past performance does not guarantee future results.
Which is riskier, FINS or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 10.5% for FINS. Worst drawdown: FINS -41.5% vs VOO -34.3%.
Should I hold both FINS and VOO?
FINS and VOO have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FINS and VOO?
FINS and VOO share 2 common holdings with a 0.3% weight overlap. Combined, they hold 570 unique securities.
Which pays a higher dividend, FINS or VOO?
FINS yields 10.11% while VOO yields 1.09%, so FINS currently pays the higher dividend yield.
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