LFAI vs VOO
LifeX 2050 Longevity Income 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 | LFAI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.03% | |
| AUM | $4M | $979.0B | |
| Dividend Yield | 13.53% | 1.09% | |
| Holdings | 23 | 509 | |
| YTD Return | -5.50% | +14.48% | |
| 1Y Return | -3.44% | +22.02% | |
| 3Y Return (annualized) | - | +21.80% | |
| 5Y Return (annualized) | - | +13.36% | |
| Volatility (annualized) | 6.8% | 14.2% | |
| Max Drawdown | -8.6% | -34.3% | |
| Fund Family | Stone Ridge Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jan 8, 2024 | Sep 7, 2010 |
LFAI vs VOO Performance
LifeX 2050 Longevity Income ETF (LFAI) 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 LFAI returned -3.44% while VOO returned +22.02%. Year to date, LFAI is down 5.50% 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 LFAI. 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 -8.6% for LFAI 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 0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LFAI 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, LFAI currently yields 13.53% against 1.09% for VOO.
Holdings Overlap
LFAI and VOO share 0 holdings out of 523 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, LFAI or VOO?
LFAI 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, LFAI or VOO?
Over the past year LFAI returned -3.44% vs +22.02% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), LFAI annualized -3.43% vs +13.61% for VOO. Past performance does not guarantee future results.
Which is riskier, LFAI or VOO?
VOO has been the more volatile fund at 14.2% annualized versus 6.8% for LFAI. Worst drawdown: LFAI -8.6% vs VOO -34.3%.
Should I hold both LFAI and VOO?
LFAI and VOO have a monthly-return correlation of 0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LFAI and VOO?
LFAI and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 523 unique securities.
Which pays a higher dividend, LFAI or VOO?
LFAI yields 13.53% while VOO yields 1.09%, so LFAI currently pays the higher dividend yield.
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