PRAY vs VOO
FIS Christian Stock Fund vs Vanguard S&P 500 ETF
Which is better, PRAY or VOO?
VOO has been ahead.
VOO has a lower expense ratio. VOO led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 38.4%.
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 | PRAY | VOO |
|---|---|---|
| Expense Ratio | 0.69% | 0.03%Best |
| AUM | $79M | $997.4B |
| Dividend Yield | 0.61% | 1.08% |
| Holdings | 69 | 509 |
| Volatility (annualized) | 14.3%Best | 15.8% |
| Max Drawdown | -21.4%Best | -22.1% |
| $10,000 over 3.9 years | $12,807 | $16,046Best |
| Top 10 Weight | 38.4% | 36.4%Best |
| Fund Family | Faith Investor Services | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Feb 7, 2022 | Sep 7, 2010 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 247 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. PRAY has data through Dec 31, 2025 and VOO through Sep 4, 2026.
Volatility and max drawdown, and the $10,000 over 3.9 years row, are measured over the window both funds cover: Feb 8, 2022 to Dec 31, 2025 (3.9 years).
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 15.8% compared with 14.3% for PRAY. 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 -21.4% for PRAY and -22.1% 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PRAY charges 0.69% per year while VOO charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, PRAY currently yields 0.61% against 1.08% for VOO.
Holdings Overlap
61.8% of PRAY's money is in holdings VOO also owns. 26.9% of VOO's money is in holdings PRAY also owns.
The two portfolios partly overlap.
41 positions in common, counted across the 68 positions we hold weights for in PRAY and 504 in VOO, against full books of 69 and 509.
What only one of them owns
Our book lists 453 positions for VOO that do not appear in our book for PRAY (72.4% of the fund), and 14 for PRAY that do not appear in VOO (15.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in PRAY | Weight in VOO | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 6.65% | 7.51% | 0.86% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 2.47% | 4.30% | 1.83% |
| GOOGL Alphabet Inc. Class A | 3.24% | 3.25% | 0.01% |
| AVGOBroadcom Inc | 3.19% | 2.77% | 0.42% |
| AMZNAmazon.Com Inc | 2.01% | 3.62% | 1.61% |
| CASYCasey's General Stores Inc | 4.68% | 0.05% | 4.63% |
| IBKRInteractive Brokers Group Inc | 3.18% | 0.06% | 3.12% |
| FIXComfort Systems Usa Inc Common Stock | 3.12% | 0.11% | 3.01% |
| CATCaterpillar, Inc. | 1.82% | 0.76% | 1.06% |
| URIUnited Rentals Inc Sedol 2134781 | 2.02% | 0.11% | 1.91% |
61.8% of PRAY 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.
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Frequently Asked Questions
Which is cheaper, PRAY or VOO?
PRAY has an expense ratio of 0.69% while VOO charges 0.03%. VOO is the cheaper option, by $66 a year on a $10,000 investment.
Which is riskier, PRAY or VOO?
VOO has been the more volatile fund at 15.8% annualized versus 14.3% for PRAY. Worst drawdown: PRAY -21.4% vs VOO -22.1%.
Should I hold both PRAY and VOO?
PRAY and VOO have a monthly-return correlation of 0.94, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between PRAY and VOO?
61.8% of PRAY's money is in holdings VOO also owns. 26.9% of VOO's is in holdings PRAY also owns. They hold 41 positions in common, counted across the 68 positions we hold weights for in PRAY and 504 in VOO.
Which pays a higher dividend, PRAY or VOO?
PRAY yields 0.61% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
Is VOO better than PRAY?
VOO has a lower expense ratio. VOO led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.94. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 38.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.