LOTI vs VOO
Liberty One Tactical Income ETF vs Vanguard S&P 500 ETF
Which is better, LOTI or VOO?
Tactical Allocation against Large Cap Blend.
VOO has a lower expense ratio. VOO led over 1Y. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 52.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | LOTI | VOO |
|---|---|---|
| Expense Ratio | 1.01% | 0.03%Best |
| AUM | $48M | $997.4B |
| Dividend Yield | 1.95% | 1.04% |
| Holdings | 35 | 509 |
| YTD Return | +3.57% | +14.14%Best |
| 1Y Return | +3.71% | +17.31%Best |
| 3Y Return (annualized) | - | +23.04% |
| 5Y Return (annualized) | - | +13.63% |
| Volatility (annualized) | 6.4%Best | 13.1% |
| Top 10 Weight | 52.0% | 37.6%Best |
| Fund Family | Liberty One Investment Management, LLC | Vanguard (US) |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Blend |
| Inception | Sep 30, 2025 | Sep 7, 2010 |
Not shown on this pair: Max Drawdown, $10,000 over the window.
LOTI vs VOO growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
LOTI vs VOO Performance
Liberty One Tactical Income ETF (LOTI) is an ETF from Liberty One Investment Management, LLC and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year LOTI returned +3.71% while VOO returned +17.31%. Year to date, LOTI is up 3.57% versus a gain of 14.14% for VOO.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 13.1% compared with 6.4% for LOTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.30. They move together some of the time, and apart the rest.
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 1.95% against 1.04% for VOO.
Holdings Overlap
49.8% of LOTI's money is in holdings VOO also owns. 17.8% of VOO's money is in holdings LOTI also owns.
The two portfolios partly overlap.
23 positions in common, counted across the 34 positions we hold weights for in LOTI and 494 in VOO, against full books of 35 and 509.
What only one of them owns
Measured across the 34 and 494 positions we hold weights for.
VOO holds 464 positions LOTI does not, 81.4% of the fund.
Largest: NVDA 7.55%, AAPL 7.05%, AMZN 4.13%, GOOGL 3.24%, META 1.90%
Top Shared Holdings
| Stock | Weight in LOTI | Weight in VOO | Difference |
|---|---|---|---|
| MSFTMicrosoft Corp | 1.90% | 5.36% | 3.46% |
| AVGOBroadcom Inc | 2.16% | 2.86% | 0.70% |
| GOOGAlphabet Inc | 2.02% | 2.62% | 0.60% |
| LLYEli Lilly & Co. | 3.11% | 1.41% | 1.70% |
| JNJJohnson & Johnson - Common | 2.95% | 0.96% | 1.99% |
| CAHCardinal Health Inc. | 3.10% | 0.08% | 3.02% |
| KOCoca Cola Co. | 2.57% | 0.53% | 2.04% |
| VVisa Inc Class A | 2.03% | 0.93% | 1.10% |
| UNHUnitedhealth Group Incorporated | 2.30% | 0.58% | 1.72% |
| GILDGilead Sciences | 2.58% | 0.25% | 2.33% |
49.8% of LOTI is already inside VOO.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $98 a year on a $10,000 investment.
Which performed better, LOTI or VOO?
Over the past year LOTI returned +3.71% vs +17.31% for VOO, so VOO leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LOTI or VOO?
VOO has been the more volatile fund at 13.1% annualized versus 6.4% for LOTI.
Should I hold both LOTI and VOO?
LOTI and VOO have a monthly-return correlation of 0.30, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between LOTI and VOO?
49.8% of LOTI's money is in holdings VOO also owns. 17.8% of VOO's is in holdings LOTI also owns. They hold 23 positions in common, counted across the 34 positions we hold weights for in LOTI and 494 in VOO.
Which pays a higher dividend, LOTI or VOO?
LOTI yields 1.95% while VOO yields 1.04%, so LOTI currently pays the higher dividend yield.
Is VOO better than LOTI?
VOO has a lower expense ratio. VOO led over 1Y. VOO is less concentrated, with 37.6% of the fund in its ten largest positions against 52.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.