LDDR vs VOO
LifeX 2035 Income Bucket 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 | LDDR | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $41M | $979.0B | |
| Dividend Yield | 12.63% | 1.09% | |
| Holdings | 42 | 509 | |
| YTD Return | -8.03% | +13.80% | |
| 1Y Return | -6.30% | +23.71% | |
| 3Y Return (annualized) | - | +21.50% | |
| 5Y Return (annualized) | - | +13.44% | |
| Volatility (annualized) | 4.3% | 14.1% | |
| Max Drawdown | -8.5% | -34.3% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 6, 2025 | Sep 7, 2010 |
LDDR vs VOO Performance
LifeX 2035 Income Bucket ETF (LDDR) is a ETF from Stone Ridge Asset Management and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year LDDR returned -6.30% while VOO returned +23.71%. Year to date, LDDR is down 8.03% versus a gain of 13.80% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 4.3% for LDDR. 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 -8.5% for LDDR 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 -0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDDR charges 0.25% per year while VOO charges 0.03%. On a $10,000 position that is $25 vs $3 annually, a gap of $22 per year that compounds over a long holding period. On income, LDDR currently yields 12.63% against 1.09% for VOO.
Holdings Overlap
LDDR and VOO share 0 holdings out of 533 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, LDDR or VOO?
LDDR has an expense ratio of 0.25% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, LDDR or VOO?
Over the past year LDDR returned -6.30% vs +23.71% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), LDDR annualized -1.19% vs +13.58% for VOO. Past performance does not guarantee future results.
Which is riskier, LDDR or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 4.3% for LDDR. Worst drawdown: LDDR -8.5% vs VOO -34.3%.
Should I hold both LDDR and VOO?
LDDR and VOO have a monthly-return correlation of -0.03, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDDR and VOO?
LDDR and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 533 unique securities.
Which pays a higher dividend, LDDR or VOO?
LDDR yields 12.63% while VOO yields 1.09%, so LDDR currently pays the higher dividend yield.
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