PTL vs VOO
Inspire 500 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 | PTL | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.03% | |
| AUM | $889M | $997.4B | |
| Dividend Yield | 1.16% | 1.08% | |
| Holdings | 471 | 509 | |
| YTD Return | +12.64% | +12.63% | |
| 1Y Return | +17.81% | +20.89% | |
| 3Y Return (annualized) | - | +21.06% | |
| 5Y Return (annualized) | - | +12.62% | |
| Volatility (annualized) | 13.2% | 14.1% | |
| Max Drawdown | -19.7% | -34.3% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 25, 2024 | Sep 7, 2010 |
PTL vs VOO Performance
Inspire 500 ETF (PTL) is a ETF from Inspire ETFs and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year PTL returned +17.81% while VOO returned +20.89%. Year to date, PTL is up 12.64% versus a gain of 12.63% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 13.2% for PTL. 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 -19.7% for PTL 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 0.90. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
PTL charges 0.09% per year while VOO charges 0.03%. On a $10,000 position that is $9 vs $3 annually, a gap of $6 per year that compounds over a long holding period. On income, PTL currently yields 1.16% against 1.08% for VOO.
Holdings Overlap
PTL and VOO share 188 holdings out of 775 unique holdings combined, representing a 19.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PTL or VOO?
PTL has an expense ratio of 0.09% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, PTL or VOO?
Over the past year PTL returned +17.81% vs +20.89% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), PTL annualized +16.16% vs +13.44% for VOO. Past performance does not guarantee future results.
Which is riskier, PTL or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 13.2% for PTL. Worst drawdown: PTL -19.7% vs VOO -34.3%.
Should I hold both PTL and VOO?
PTL and VOO have a monthly-return correlation of 0.90, 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 PTL and VOO?
PTL and VOO share 188 common holdings with a 19.3% weight overlap. Combined, they hold 775 unique securities.
Which pays a higher dividend, PTL or VOO?
PTL yields 1.16% while VOO yields 1.08%, so PTL currently pays the higher dividend yield.
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