FLUD vs VOO
FLUD vs VOO
Franklin Ultra Short Bond 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 | FLUD | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $561M | $979.0B | |
| Dividend Yield | 4.42% | 1.09% | |
| Holdings | 443 | 509 | |
| YTD Return | +1.68% | +13.80% | |
| 1Y Return | +3.74% | +23.71% | |
| 3Y Return (annualized) | +5.09% | +21.50% | |
| 5Y Return (annualized) | +3.67% | +13.44% | |
| Volatility (annualized) | 0.9% | 14.1% | |
| Max Drawdown | -1.7% | -34.3% | |
| Fund Family | Franklin Templeton Investments (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 14, 2020 | Sep 7, 2010 |
FLUD vs VOO Performance
Franklin Ultra Short Bond ETF (FLUD) is a ETF from Franklin Templeton Investments (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year FLUD returned +3.74% while VOO returned +23.71%. Year to date, FLUD is up 1.68% versus a gain of 13.80% for VOO.
Over three years, FLUD compounded at +5.09% per year against +21.50% for VOO; over five years the annualized figures are +3.67% and +13.44% respectively. Across the full 6-year window we track, VOO has the edge at +13.58% annualized vs +3.02%. 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 0.9% for FLUD. 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 -1.7% for FLUD 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLUD charges 0.15% per year while VOO charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, FLUD currently yields 4.42% against 1.09% for VOO.
Holdings Overlap
FLUD and VOO share 0 holdings out of 803 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, FLUD or VOO?
FLUD has an expense ratio of 0.15% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, FLUD or VOO?
Over the past year FLUD returned +3.74% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (6 years), FLUD annualized +3.02% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, FLUD or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 0.9% for FLUD. Worst drawdown: FLUD -1.7% vs VOO -34.3%.
Should I hold both FLUD and VOO?
FLUD and VOO have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLUD and VOO?
FLUD and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 803 unique securities.
Which pays a higher dividend, FLUD or VOO?
FLUD yields 4.42% while VOO yields 1.09%, so FLUD currently pays the higher dividend yield.
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