MBSX vs VOO
Regan Fixed 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 | MBSX | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.03% | |
| AUM | $20M | $979.0B | |
| Dividend Yield | 3.59% | 1.09% | |
| Holdings | 84 | 509 | |
| YTD Return | -0.43% | +13.72% | |
| 1Y Return | +3.87% | +21.63% | |
| 3Y Return (annualized) | - | +21.55% | |
| 5Y Return (annualized) | - | +13.26% | |
| Volatility (annualized) | 36.3% | 14.1% | |
| Max Drawdown | -27.6% | -34.3% | |
| Fund Family | Regan Capital | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 1, 2025 | Sep 7, 2010 |
MBSX vs VOO Performance
Regan Fixed Rate MBS ETF (MBSX) is a ETF from Regan Capital and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year MBSX returned +3.87% while VOO returned +21.63%. Year to date, MBSX is down 0.43% versus a gain of 13.72% for VOO.
Risk: Volatility and Drawdowns
MBSX has been the more volatile fund, with annualized monthly volatility of 36.3% compared with 14.1% for VOO. 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 -27.6% for MBSX 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 0.17. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSX charges 0.40% per year while VOO charges 0.03%. On a $10,000 position that is $40 vs $3 annually, a gap of $37 per year that compounds over a long holding period. On income, MBSX currently yields 3.59% against 1.09% for VOO.
Holdings Overlap
MBSX and VOO share 0 holdings out of 508 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, MBSX or VOO?
MBSX has an expense ratio of 0.40% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, MBSX or VOO?
Over the past year MBSX returned +3.87% vs +21.63% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), MBSX annualized +6.56% vs +13.56% for VOO. Past performance does not guarantee future results.
Which is riskier, MBSX or VOO?
MBSX has been the more volatile fund at 36.3% annualized versus 14.1% for VOO. Worst drawdown: MBSX -27.6% vs VOO -34.3%.
Should I hold both MBSX and VOO?
MBSX and VOO have a monthly-return correlation of 0.17, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MBSX and VOO?
MBSX and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, MBSX or VOO?
MBSX yields 3.59% while VOO yields 1.09%, so MBSX currently pays the higher dividend yield.
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