SFTY vs VOO
Horizon Managed Risk 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 | SFTY | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.77% | 0.03% | |
| AUM | $784M | $997.4B | |
| Dividend Yield | 0.17% | 1.08% | |
| Holdings | 168 | 509 | |
| YTD Return | +12.51% | +13.25% | |
| 1Y Return | +19.50% | +19.96% | |
| 3Y Return (annualized) | - | +21.27% | |
| 5Y Return (annualized) | - | +12.81% | |
| Volatility (annualized) | 11.2% | 14.1% | |
| Max Drawdown | -8.6% | -34.3% | |
| Fund Family | Horizon Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 25, 2025 | Sep 7, 2010 |
SFTY vs VOO Performance
Horizon Managed Risk ETF (SFTY) is a ETF from Horizon Funds and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year SFTY returned +19.50% while VOO returned +19.96%. Year to date, SFTY is up 12.51% versus a gain of 13.25% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 11.2% for SFTY. 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 -8.6% for SFTY 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 0.99. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SFTY charges 0.77% per year while VOO charges 0.03%. On a $10,000 position that is $77 vs $3 annually, a gap of $74 per year that compounds over a long holding period. On income, SFTY currently yields 0.17% against 1.08% for VOO.
Holdings Overlap
SFTY and VOO share 162 holdings out of 510 unique holdings combined, representing a 68.8% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, SFTY or VOO?
SFTY has an expense ratio of 0.77% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, SFTY or VOO?
Over the past year SFTY returned +19.50% vs +19.96% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), SFTY annualized +21.66% vs +13.49% for VOO. Past performance does not guarantee future results.
Which is riskier, SFTY or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 11.2% for SFTY. Worst drawdown: SFTY -8.6% vs VOO -34.3%.
Should I hold both SFTY and VOO?
SFTY and VOO have a monthly-return correlation of 0.99, 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 SFTY and VOO?
SFTY and VOO share 162 common holdings with a 68.8% weight overlap. Combined, they hold 510 unique securities.
Which pays a higher dividend, SFTY or VOO?
SFTY yields 0.17% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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