SFY vs VOO
Sofi Select 500 ETF vs Vanguard S&P 500 ETF
Which is better, SFY or VOO?
Large Cap Growth against Large Cap Blend.
VOO has a lower expense ratio. SFY led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.98. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 43.5%.
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 | SFY | VOO |
|---|---|---|
| Expense Ratio | 0.05% | 0.03%Best |
| AUM | $686M | $997.4B |
| Dividend Yield | 0.82% | 1.04% |
| Holdings | 506 | 509 |
| YTD Return | +13.80%Best | +11.55% |
| 1Y Return | +20.00%Best | +17.54% |
| 3Y Return (annualized) | +24.67%Best | +20.71% |
| 5Y Return (annualized) | +14.01%Best | +12.80% |
| Volatility (annualized) | 17.7% | 16.6%Best |
| Max Drawdown | -33.3%Best | -34.3% |
| $10,000 over 5 years | $19,263Best | $18,262 |
| Top 10 Weight | 43.5% | 36.4%Best |
| Fund Family | SoFi | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | Apr 10, 2019 | Sep 7, 2010 |
Volatility and max drawdown are measured over the window both funds cover: Apr 11, 2019 to Sep 10, 2026 (7.4 years).
SFY 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 7.4 years both funds cover.
SFY vs VOO Performance
Sofi Select 500 ETF (SFY) is an ETF from SoFi and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year SFY returned +20.00% while VOO returned +17.54%. Year to date, SFY is up 13.80% versus a gain of 11.55% for VOO.
Over three years, SFY compounded at +24.67% per year against +20.71% for VOO; over five years the annualized figures are +14.01% and +12.80% respectively. Across the full 7-year window we track, SFY has the edge at +17.00% annualized vs +15.14%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFY has been the more volatile fund, with annualized monthly volatility of 17.7% compared with 16.6% 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 -33.3% for SFY and -34.3% 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 0.98. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SFY charges 0.05% per year while VOO charges 0.03%. On a $10,000 position that is $5 vs $3 annually, a gap of $2 per year that compounds over a long holding period. On income, SFY currently yields 0.82% against 1.04% for VOO.
Holdings Overlap
95.4% of SFY's money is in holdings VOO also owns. 97.5% of VOO's money is in holdings SFY also owns.
Most of VOO is already inside SFY. Owning both mostly buys the same companies twice.
The two holdings books were reported 49 days apart, SFY as of Aug 18, 2026 and VOO as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
422 positions in common, counted across the 492 positions we hold weights for in SFY and 505 in VOO, against full books of 506 and 509.
What only one of them owns
Our book lists 75 positions for VOO that do not appear in our book for SFY (2.1% of the fund), and 58 for SFY that do not appear in VOO (3.7%).
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 SFY | Weight in VOO | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 15.46% | 7.51% | 7.95% |
| AAPLApple, Inc | 4.60% | 6.59% | 1.99% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 4.70% | 4.30% | 0.40% |
| AVGOBroadcom Inc | 3.87% | 2.77% | 1.10% |
| AMZNAmazon.Com Inc | 3.02% | 3.62% | 0.60% |
| MUMicron Technology, Inc. | 3.48% | 2.02% | 1.46% |
| GOOGLAlphabet A Usd 0.001 | 2.10% | 3.25% | 1.15% |
| GOOGAlphabet Inc | 1.96% | 2.59% | 0.63% |
| LLYEli Lilly & Co. | 2.41% | 1.47% | 0.94% |
| METAMeta Platforms, Inc. | 1.86% | 1.92% | 0.06% |
97.5% of VOO is already inside SFY.
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, SFY or VOO?
SFY has an expense ratio of 0.05% while VOO charges 0.03%. VOO is the cheaper option, by $2 a year on a $10,000 investment.
Which performed better, SFY or VOO?
Over the past year SFY returned +20.00% vs +17.54% for VOO, so SFY leads on 1-year performance. Over the longest common window we track (7 years), SFY annualized +17.00% vs +15.14% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SFY or VOO?
SFY has been the more volatile fund at 17.7% annualized versus 16.6% for VOO. Worst drawdown: SFY -33.3% vs VOO -34.3%.
Should I hold both SFY and VOO?
SFY and VOO have a monthly-return correlation of 0.98, 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 SFY and VOO?
97.5% of VOO's money is in holdings SFY also owns. 97.5% of VOO's is in holdings SFY also owns. They hold 422 positions in common, counted across the 492 positions we hold weights for in SFY and 505 in VOO.
Which pays a higher dividend, SFY or VOO?
SFY yields 0.82% while VOO yields 1.04%, so VOO currently pays the higher dividend yield.
Is VOO better than SFY?
VOO has a lower expense ratio. SFY led over 1Y, 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.98. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 43.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.