FLC vs VOO
Flaherty & Crumrine Total Return Fund vs Vanguard S&P 500 ETF
Which is better, FLC or VOO?
Preferred Stock against Large Cap Blend.
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window.
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 | FLC | VOO |
|---|---|---|
| Expense Ratio | 1.64% | 0.03%Best |
| AUM | $192M | $997.4B |
| Dividend Yield | 6.88% | 1.04% |
| Holdings | 257 | 509 |
| YTD Return | -3.58% | +12.37%Best |
| 1Y Return | -3.05% | +16.61%Best |
| 3Y Return (annualized) | +13.05% | +21.37%Best |
| 5Y Return (annualized) | -0.67% | +13.49%Best |
| Volatility (annualized) | 14.5% | 14.1%Best |
| Max Drawdown | -55.5% | -34.3%Best |
| $10,000 over 5 years | $9,669 | $18,827Best |
| Fund Family | Flaherty & Crumrine | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Preferred Stock | Large Cap Blend |
| Inception | Aug 29, 2003 | Sep 7, 2010 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 9, 2010 to Sep 18, 2026 (16 years).
FLC 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.
FLC vs VOO Performance
Flaherty & Crumrine Total Return Fund (FLC) is an ETF from Flaherty & Crumrine and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year FLC returned -3.05% while VOO returned +16.61%. Year to date, FLC is down 3.58% versus a gain of 12.37% for VOO.
Over three years, FLC compounded at +13.05% per year against +21.37% for VOO; over five years the annualized figures are -0.67% and +13.49% respectively. Across the full 16-year window we track, VOO has the edge at +13.39% annualized vs +1.88%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLC has been the more volatile fund, with annualized monthly volatility of 14.5% 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 -55.5% for FLC and -34.3% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.55. They move together some of the time, and apart the rest.
Fees and Cost Over Time
FLC charges 1.64% per year while VOO charges 0.03%. On a $10,000 position that is $164 vs $3 annually, a gap of $161 per year that compounds over a long holding period. On income, FLC currently yields 6.88% against 1.04% for VOO.
Holdings Overlap
At least 0.5% of VOO's money is in holdings FLC also owns.
Stated as a floor: for FLC, our book for it covers 79.8% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 61 days apart, FLC as of May 31, 2026 and VOO as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
3 positions in common, counted across the 211 positions we hold weights for in FLC and 494 in VOO, against full books of 257 and 509.
You are not choosing between two funds in isolation.
Whichever of FLC and VOO you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, FLC or VOO?
FLC has an expense ratio of 1.64% while VOO charges 0.03%. VOO is the cheaper option, by $161 a year on a $10,000 investment.
Which performed better, FLC or VOO?
Over the past year FLC returned -3.05% vs +16.61% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (16 years), FLC annualized +1.88% vs +13.39% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FLC or VOO?
FLC has been the more volatile fund at 14.5% annualized versus 14.1% for VOO. Worst drawdown: FLC -55.5% vs VOO -34.3%.
Should I hold both FLC and VOO?
FLC and VOO have a monthly-return correlation of 0.55, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, FLC or VOO?
FLC yields 6.88% while VOO yields 1.04%, so FLC currently pays the higher dividend yield.
Is VOO better than FLC?
VOO has a lower expense ratio. VOO led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.