FLAO vs VOO
AllianzIM US Equity 6 Month Floor5 Apr/Oct 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 509 holdings.
Side-by-Side Comparison
| Metric | FLAO | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.03% | |
| AUM | $9M | $979.0B | |
| Dividend Yield | 0.00% | 1.09% | |
| Holdings | 4 | 509 | |
| YTD Return | +0.46% | +14.48% | |
| 1Y Return | +2.93% | +22.02% | |
| 3Y Return (annualized) | - | +21.80% | |
| 5Y Return (annualized) | - | +13.36% | |
| Volatility (annualized) | 6.8% | 14.2% | |
| Max Drawdown | -10.1% | -34.3% | |
| Fund Family | AllianzIM | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Mar 28, 2024 | Sep 7, 2010 |
FLAO vs VOO Performance
AllianzIM US Equity 6 Month Floor5 Apr/Oct ETF (FLAO) is a ETF from AllianzIM and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year FLAO returned +2.93% while VOO returned +22.02%. Year to date, FLAO is up 0.46% versus a gain of 14.48% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 6.8% for FLAO. 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 -10.1% for FLAO 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
FLAO charges 0.74% per year while VOO charges 0.03%. On a $10,000 position that is $74 vs $3 annually, a gap of $71 per year that compounds over a long holding period. On income, FLAO currently yields 0.00% against 1.09% for VOO.
Frequently Asked Questions
Which is cheaper, FLAO or VOO?
FLAO has an expense ratio of 0.74% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, FLAO or VOO?
Over the past year FLAO returned +2.93% vs +22.02% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), FLAO annualized +5.81% vs +13.61% for VOO. Past performance does not guarantee future results.
Which is riskier, FLAO or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 6.8% for FLAO. Worst drawdown: FLAO -10.1% vs VOO -34.3%.
Should I hold both FLAO and VOO?
FLAO and VOO have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, FLAO or VOO?
FLAO yields 0.00% while VOO yields 1.09%, so VOO currently pays the higher dividend yield.
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