SFYF vs VOO
SoFi Social 50 ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. SFYF delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | SFYF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.29% | 0.03% | |
| AUM | $43M | $997.4B | |
| Dividend Yield | 0.38% | 1.08% | |
| Holdings | 52 | 509 | |
| YTD Return | +13.89% | +14.27% | |
| 1Y Return | +25.43% | +21.79% | |
| 3Y Return (annualized) | +32.94% | +22.19% | |
| 5Y Return (annualized) | +11.66% | +13.28% | |
| Volatility (annualized) | 29.6% | 14.2% | |
| Max Drawdown | -56.1% | -34.3% | |
| Fund Family | SoFi | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 7, 2019 | Sep 7, 2010 |
SFYF vs VOO Performance
SoFi Social 50 ETF (SFYF) is a ETF from SoFi and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year SFYF returned +25.43% while VOO returned +21.79%. Year to date, SFYF is up 13.89% versus a gain of 14.27% for VOO.
Over three years, SFYF compounded at +32.94% per year against +22.19% for VOO; over five years the annualized figures are +11.66% and +13.28% respectively. Across the full 7-year window we track, SFYF has the edge at +17.86% annualized vs +13.59%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYF has been the more volatile fund, with annualized monthly volatility of 29.6% compared with 14.2% 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 -56.1% for SFYF 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SFYF charges 0.29% per year while VOO charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, SFYF currently yields 0.38% against 1.08% for VOO.
Holdings Overlap
SFYF and VOO share 34 holdings out of 522 unique holdings combined, representing a 42.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SFYF or VOO?
SFYF has an expense ratio of 0.29% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, SFYF or VOO?
Over the past year SFYF returned +25.43% vs +21.79% for VOO, so SFYF leads on 1-year performance. Over the longest common window we track (7 years), SFYF annualized +17.86% vs +13.59% for VOO. Past performance does not guarantee future results.
Which is riskier, SFYF or VOO?
SFYF has been the more volatile fund at 29.6% annualized versus 14.2% for VOO. Worst drawdown: SFYF -56.1% vs VOO -34.3%.
Should I hold both SFYF and VOO?
SFYF and VOO have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SFYF and VOO?
SFYF and VOO share 34 common holdings with a 42.0% weight overlap. Combined, they hold 522 unique securities.
Which pays a higher dividend, SFYF or VOO?
SFYF yields 0.38% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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