INTM vs VOO
Invesco Intermediate Municipal 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 | INTM | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $101M | $979.0B | |
| Dividend Yield | 2.92% | 1.09% | |
| Holdings | 173 | 509 | |
| YTD Return | -0.28% | +13.44% | |
| 1Y Return | +3.81% | +22.62% | |
| 3Y Return (annualized) | - | +21.47% | |
| 5Y Return (annualized) | - | +13.27% | |
| Volatility (annualized) | 4.2% | 14.1% | |
| Max Drawdown | -2.9% | -34.3% | |
| Fund Family | Invesco (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 23, 2025 | Sep 7, 2010 |
INTM vs VOO Performance
Invesco Intermediate Municipal ETF (INTM) is a ETF from Invesco (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year INTM returned +3.81% while VOO returned +22.62%. Year to date, INTM is down 0.28% versus a gain of 13.44% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 4.2% for INTM. 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 -2.9% for INTM 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INTM charges 0.35% per year while VOO charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, INTM currently yields 2.92% against 1.09% for VOO.
Holdings Overlap
INTM and VOO share 0 holdings out of 562 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, INTM or VOO?
INTM has an expense ratio of 0.35% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, INTM or VOO?
Over the past year INTM returned +3.81% vs +22.62% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), INTM annualized +3.99% vs +13.55% for VOO. Past performance does not guarantee future results.
Which is riskier, INTM or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 4.2% for INTM. Worst drawdown: INTM -2.9% vs VOO -34.3%.
Should I hold both INTM and VOO?
INTM and VOO have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INTM and VOO?
INTM and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 562 unique securities.
Which pays a higher dividend, INTM or VOO?
INTM yields 2.92% while VOO yields 1.09%, so INTM currently pays the higher dividend yield.
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