OBIL vs VOO
F/m US Treasury 12 Month Bill ETF vs Vanguard S&P 500 ETF
Which is better, OBIL or VOO?
Short Term High Quality against Large Cap Blend.
VOO has a lower expense ratio. VOO led over 1Y, 3Y and the full window.
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 | OBIL | VOO |
|---|---|---|
| Expense Ratio | 0.15% | 0.03%Best |
| AUM | $310M | $997.4B |
| Dividend Yield | 3.93% | 1.04% |
| Holdings | 2 | 509 |
| YTD Return | +1.87% | +12.50%Best |
| 1Y Return | +3.11% | +17.58%Best |
| 3Y Return (annualized) | +4.39% | +21.27%Best |
| 5Y Return (annualized) | - | +12.95% |
| Volatility (annualized) | 0.7%Best | 12.9% |
| Max Drawdown | -0.3%Best | -18.7% |
| $10,000 over 3.8 years | $11,718 | $20,127Best |
| Fund Family | US Benchmark Series | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Short Term High Quality | Large Cap Blend |
| Inception | Nov 14, 2022 | Sep 7, 2010 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Nov 15, 2022 to Sep 11, 2026 (3.8 years).
OBIL 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 covers the 3.8 years both funds cover.
OBIL vs VOO Performance
F/m US Treasury 12 Month Bill ETF (OBIL) is an ETF from US Benchmark Series and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year OBIL returned +3.11% while VOO returned +17.58%. Year to date, OBIL is up 1.87% versus a gain of 12.50% for VOO.
Over three years, OBIL compounded at +4.39% per year against +21.27% for VOO. Across the full 4-year window we track, VOO has the edge at +20.21% annualized vs +4.26%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 12.9% 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 -18.7% for VOO. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.17. They move largely independently of each other.
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 1.04% for VOO.
You are not choosing between two funds in isolation.
Whichever of OBIL and VOO you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $12 a year on a $10,000 investment.
Which performed better, OBIL or VOO?
Over the past year OBIL returned +3.11% vs +17.58% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), OBIL annualized +4.26% vs +20.21% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OBIL or VOO?
VOO has been the more volatile fund at 12.9% annualized versus 0.7% for OBIL. Worst drawdown: OBIL -0.3% vs VOO -18.7%.
Should I hold both OBIL and VOO?
OBIL and VOO have a monthly-return correlation of 0.17, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, OBIL or VOO?
OBIL yields 3.93% while VOO yields 1.04%, so OBIL currently pays the higher dividend yield.
Is VOO better than OBIL?
VOO has a lower expense ratio. VOO led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.