OBIL vs VOO
F/m US Treasury 12 Month Bill 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 | OBIL | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.03% | |
| AUM | $307M | $997.4B | |
| Dividend Yield | 3.93% | 1.08% | |
| Holdings | 2 | 509 | |
| YTD Return | +1.93% | +12.68% | |
| 1Y Return | +3.68% | +21.87% | |
| 3Y Return (annualized) | +4.50% | +22.06% | |
| 5Y Return (annualized) | - | +12.95% | |
| Volatility (annualized) | 0.7% | 14.1% | |
| Max Drawdown | -0.3% | -34.3% | |
| Fund Family | US Benchmark Series | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Nov 14, 2022 | Sep 7, 2010 |
OBIL vs VOO Performance
F/m US Treasury 12 Month Bill ETF (OBIL) is a ETF from US Benchmark Series and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year OBIL returned +3.68% while VOO returned +21.87%. Year to date, OBIL is up 1.93% versus a gain of 12.68% for VOO.
Over three years, OBIL compounded at +4.50% per year against +22.06% for VOO. Across the full 4-year window we track, VOO has the edge at +13.47% annualized vs +4.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 0.7% for OBIL. 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 -0.3% for OBIL 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 0.16. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
OBIL charges 0.15% per year while VOO charges 0.03%. On a $10,000 position that is $15 vs $3 annually, a gap of $12 per year that compounds over a long holding period. On income, OBIL currently yields 3.93% against 1.08% for VOO.
Frequently Asked Questions
Which is cheaper, OBIL or VOO?
OBIL has an expense ratio of 0.15% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, OBIL or VOO?
Over the past year OBIL returned +3.68% vs +21.87% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), OBIL annualized +4.34% vs +13.47% for VOO. Past performance does not guarantee future results.
Which is riskier, OBIL or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 0.7% for OBIL. Worst drawdown: OBIL -0.3% vs VOO -34.3%.
Should I hold both OBIL and VOO?
OBIL and VOO have a monthly-return correlation of 0.16, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, OBIL or VOO?
OBIL yields 3.93% while VOO yields 1.08%, so OBIL currently pays the higher dividend yield.
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