MBSF vs VOO
REGAN FLOATING RATE MBS 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 | MBSF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.03% | |
| AUM | $235M | $979.0B | |
| Dividend Yield | 4.47% | 1.09% | |
| Holdings | 388 | 509 | |
| YTD Return | +2.31% | +13.79% | |
| 1Y Return | +5.04% | +23.01% | |
| 3Y Return (annualized) | - | +21.78% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 1.4% | 14.1% | |
| Max Drawdown | -1.0% | -34.3% | |
| Fund Family | Regan Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 27, 2024 | Sep 7, 2010 |
MBSF vs VOO Performance
REGAN FLOATING RATE MBS ETF (MBSF) is a ETF from Regan Capital and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year MBSF returned +5.04% while VOO returned +23.01%. Year to date, MBSF is up 2.31% versus a gain of 13.79% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 1.4% for MBSF. 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 -1.0% for MBSF 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSF charges 0.49% per year while VOO charges 0.03%. On a $10,000 position that is $49 vs $3 annually, a gap of $46 per year that compounds over a long holding period. On income, MBSF currently yields 4.47% against 1.09% for VOO.
Frequently Asked Questions
Which is cheaper, MBSF or VOO?
MBSF has an expense ratio of 0.49% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $46 per year of difference.
Which performed better, MBSF or VOO?
Over the past year MBSF returned +5.04% vs +23.01% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), MBSF annualized +5.72% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, MBSF or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 1.4% for MBSF. Worst drawdown: MBSF -1.0% vs VOO -34.3%.
Should I hold both MBSF and VOO?
MBSF and VOO have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, MBSF or VOO?
MBSF yields 4.47% while VOO yields 1.09%, so MBSF currently pays the higher dividend yield.
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