PRAY vs VOO
FIS Christian Stock Fund 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 | PRAY | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $80M | $997.4B | |
| Dividend Yield | 0.61% | 1.08% | |
| Holdings | 68 | 509 | |
| YTD Return | +9.33% | +13.73% | |
| 1Y Return | +9.08% | +21.53% | |
| 3Y Return (annualized) | +13.88% | +22.60% | |
| 5Y Return (annualized) | - | +13.31% | |
| Volatility (annualized) | 14.3% | 14.1% | |
| Max Drawdown | -21.4% | -34.3% | |
| Fund Family | Faith Investor Services | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Feb 7, 2022 | Sep 7, 2010 |
PRAY vs VOO Performance
FIS Christian Stock Fund (PRAY) is a ETF from Faith Investor Services and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year PRAY returned +9.08% while VOO returned +21.53%. Year to date, PRAY is up 9.33% versus a gain of 13.73% for VOO.
Over three years, PRAY compounded at +13.88% per year against +22.60% for VOO. Across the full 4-year window we track, VOO has the edge at +13.55% annualized vs +6.55%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PRAY has been the more volatile fund, with annualized monthly volatility of 14.3% 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 -21.4% for PRAY 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 0.94. 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
PRAY and VOO share 42 holdings out of 531 unique holdings combined, representing a 22.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $66 per year of difference.
Which performed better, PRAY or VOO?
Over the past year PRAY returned +9.08% vs +21.53% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (4 years), PRAY annualized +6.55% vs +13.55% for VOO. Past performance does not guarantee future results.
Which is riskier, PRAY or VOO?
PRAY has been the more volatile fund at 14.3% annualized versus 14.1% for VOO. Worst drawdown: PRAY -21.4% vs VOO -34.3%.
Should I hold both PRAY and VOO?
PRAY and VOO have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between PRAY and VOO?
PRAY and VOO share 42 common holdings with a 22.4% weight overlap. Combined, they hold 531 unique securities.
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.
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