PTL vs VOO
Inspire 500 ETF vs Vanguard S&P 500 ETF
Which is better, PTL or VOO?
VOO has been ahead.
VOO has a lower expense ratio. VOO led over 1Y and the full window. PTL is less concentrated, with 28.4% of the fund in its ten largest positions against 37.6%.
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 | PTL | VOO |
|---|---|---|
| Expense Ratio | 0.09% | 0.03%Best |
| AUM | $880M | $997.4B |
| Dividend Yield | 1.14% | 1.04% |
| Holdings | 471 | 509 |
| YTD Return | +10.75% | +13.21%Best |
| 1Y Return | +11.87% | +17.37%Best |
| 3Y Return (annualized) | - | +22.66% |
| 5Y Return (annualized) | - | +13.14% |
| Volatility (annualized) | 13.3% | 12.1%Best |
| Max Drawdown | -19.7% | -18.7%Best |
| $10,000 over 2.5 years | $14,170 | $15,267Best |
| Top 10 Weight | 28.4%Best | 37.6% |
| Fund Family | Inspire ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Mar 25, 2024 | Sep 7, 2010 |
Volatility and max drawdown, and the $10,000 over 2.5 years row, are measured over the window both funds cover: Mar 26, 2024 to Sep 24, 2026 (2.5 years).
PTL 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 2.5 years both funds cover.
PTL vs VOO Performance
Inspire 500 ETF (PTL) is an ETF from Inspire ETFs and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year PTL returned +11.87% while VOO returned +17.37%. Year to date, PTL is up 10.75% versus a gain of 13.21% for VOO.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PTL has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 12.1% 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 -19.7% for PTL 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 0.89. They usually move together, but the gap leaves some room for diversification.
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 1.14% against 1.04% for VOO.
Holdings Overlap
75.5% of PTL's money is in holdings VOO also owns. 18.3% of VOO's money is in holdings PTL also owns.
Most of PTL is already inside VOO. Owning both mostly buys the same companies twice.
188 positions in common, counted across the 469 positions we hold weights for in PTL and 494 in VOO, against full books of 471 and 509.
What only one of them owns
Our book lists 301 positions for VOO that do not appear in our book for PTL (80.9% of the fund), and 273 for PTL that do not appear in VOO (22.9%).
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 PTL | Weight in VOO | Difference |
|---|---|---|---|
| AVGOBroadcom Inc | 10.83% | 2.86% | 7.97% |
| XOMExxon Mobil Corp. | 4.15% | 1.00% | 3.15% |
| CATCaterpillar, Inc. | 1.97% | 0.58% | 1.39% |
| HDHome Depot Inc/The | 2.00% | 0.51% | 1.49% |
| PLTRPalantir Technologies Inc | 2.05% | 0.44% | 1.61% |
| WELLWelltower, Inc. | 1.73% | 0.26% | 1.47% |
| GEVGe Vernova, Inc. | 1.46% | 0.41% | 1.05% |
| WDCWestern Digital Corp Company Guar 11/28 3 | 1.54% | 0.29% | 1.25% |
| LINLinde Plc Ordinary Shares | 1.37% | 0.34% | 1.03% |
| ANETArista Networks Inc Common Stock | 1.34% | 0.29% | 1.05% |
75.5% of PTL 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.
Free for up to 10 holdings. No account needed.
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, by $6 a year on a $10,000 investment.
Which performed better, PTL or VOO?
Over the past year PTL returned +11.87% vs +17.37% for VOO, so VOO leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PTL or VOO?
PTL has been the more volatile fund at 13.3% annualized versus 12.1% for VOO. Worst drawdown: PTL -19.7% vs VOO -18.7%.
Should I hold both PTL and VOO?
PTL and VOO have a monthly-return correlation of 0.89, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between PTL and VOO?
75.5% of PTL's money is in holdings VOO also owns. 18.3% of VOO's is in holdings PTL also owns. They hold 188 positions in common, counted across the 469 positions we hold weights for in PTL and 494 in VOO.
Which pays a higher dividend, PTL or VOO?
PTL yields 1.14% while VOO yields 1.04%, so PTL currently pays the higher dividend yield.
Is VOO better than PTL?
VOO has a lower expense ratio. VOO led over 1Y and the full window. PTL is less concentrated, with 28.4% of the fund in its ten largest positions against 37.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.