LOTI vs VOO
Liberty One Tactical 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 509 holdings.
Side-by-Side Comparison
| Metric | LOTI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.03% | |
| AUM | $48M | $997.4B | |
| Dividend Yield | 1.77% | 1.08% | |
| Holdings | 35 | 509 | |
| YTD Return | +5.45% | +12.13% | |
| 1Y Return | +5.59% | +20.36% | |
| 3Y Return (annualized) | - | +20.90% | |
| 5Y Return (annualized) | - | +12.59% | |
| Volatility (annualized) | 6.0% | 14.1% | |
| Max Drawdown | -4.4% | -34.3% | |
| Fund Family | Liberty One Investment Management, LLC | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 30, 2025 | Sep 7, 2010 |
LOTI vs VOO Performance
Liberty One Tactical Income ETF (LOTI) is a ETF from Liberty One Investment Management, LLC and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year LOTI returned +5.59% while VOO returned +20.36%. Year to date, LOTI is up 5.45% versus a gain of 12.13% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 6.0% for LOTI. 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 -4.4% for LOTI 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LOTI charges 1.01% per year while VOO charges 0.03%. On a $10,000 position that is $101 vs $3 annually, a gap of $98 per year that compounds over a long holding period. On income, LOTI currently yields 1.77% against 1.08% for VOO.
Holdings Overlap
LOTI and VOO share 24 holdings out of 515 unique holdings combined, representing a 13.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, LOTI or VOO?
LOTI has an expense ratio of 1.01% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $98 per year of difference.
Which performed better, LOTI or VOO?
Over the past year LOTI returned +5.59% vs +20.36% for VOO, so VOO leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, LOTI or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 6.0% for LOTI. Worst drawdown: LOTI -4.4% vs VOO -34.3%.
Should I hold both LOTI and VOO?
LOTI and VOO have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LOTI and VOO?
LOTI and VOO share 24 common holdings with a 13.0% weight overlap. Combined, they hold 515 unique securities.
Which pays a higher dividend, LOTI or VOO?
LOTI yields 1.77% while VOO yields 1.08%, so LOTI currently pays the higher dividend yield.
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