SFYF vs VOO
SoFi Social 50 ETF vs Vanguard S&P 500 ETF
Which is better, SFYF or VOO?
Large Cap Growth against Large Cap Blend.
VOO has a lower expense ratio. SFYF led over 1Y, 3Y and the full window, VOO over 5Y. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 51.7%.
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 | SFYF | VOO |
|---|---|---|
| Expense Ratio | 0.29% | 0.03%Best |
| AUM | $42M | $997.4B |
| Dividend Yield | 0.38% | 1.08% |
| Holdings | 52 | 509 |
| YTD Return | +14.57%Best | +12.74% |
| 1Y Return | +25.55%Best | +19.43% |
| 3Y Return (annualized) | +32.47%Best | +21.18% |
| 5Y Return (annualized) | +10.75% | +12.76%Best |
| Volatility (annualized) | 29.4% | 16.4%Best |
| Max Drawdown | -56.1% | -34.3%Best |
| $10,000 over 5 years | $16,662 | $18,230Best |
| Top 10 Weight | 51.7% | 36.4%Best |
| Fund Family | SoFi | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Blend |
| Inception | May 7, 2019 | Sep 7, 2010 |
Volatility and max drawdown are measured over the window both funds cover: May 8, 2019 to Sep 8, 2026 (7.3 years).
SFYF 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 7.3 years both funds cover.
SFYF vs VOO Performance
SoFi Social 50 ETF (SFYF) is an ETF from SoFi and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year SFYF returned +25.55% while VOO returned +19.43%. Year to date, SFYF is up 14.57% versus a gain of 12.74% for VOO.
Over three years, SFYF compounded at +32.47% per year against +21.18% for VOO; over five years the annualized figures are +10.75% and +12.76% respectively. Across the full 7-year window we track, SFYF has the edge at +17.77% annualized vs +15.52%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SFYF has been the more volatile fund, with annualized monthly volatility of 29.4% compared with 16.4% 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 what each fund did in the worst stretch of the window measured above.
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
78.6% of SFYF's money is in holdings VOO also owns. 45.1% of VOO's money is in holdings SFYF also owns.
Most of SFYF is already inside VOO. Owning both mostly buys the same companies twice.
34 positions in common, counted across the 51 positions we hold weights for in SFYF and 504 in VOO, against full books of 52 and 509.
What only one of them owns
Our book lists 460 positions for VOO that do not appear in our book for SFYF (54.3% of the fund), and 15 for SFYF that do not appear in VOO (18.0%).
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 SFYF | Weight in VOO | Difference |
|---|---|---|---|
| NVDANvidia Corp. | 7.26% | 7.51% | 0.25% |
| AMZNAmazon.Com Inc | 8.58% | 3.62% | 4.96% |
| AAPLApple Inc Ord | 4.79% | 6.59% | 1.80% |
| TSLATesla Motors Inc | 7.28% | 1.84% | 5.44% |
| MSFTMicrosoft Corp 4.100 Feb 06 37 | 4.29% | 4.30% | 0.01% |
| GOOGL Alphabet Inc. Class A | 3.86% | 3.25% | 0.61% |
| METAMeta Platform Inc | 3.04% | 1.92% | 1.12% |
| AVGOBroadcom Inc | 2.02% | 2.77% | 0.75% |
| PLTRPalantir Technologies Inc | 4.32% | 0.42% | 3.90% |
| MUMicron Technology, Inc. | 2.62% | 2.02% | 0.60% |
78.6% of SFYF 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, SFYF or VOO?
SFYF has an expense ratio of 0.29% while VOO charges 0.03%. VOO is the cheaper option, by $26 a year on a $10,000 investment.
Which performed better, SFYF or VOO?
Over the past year SFYF returned +25.55% vs +19.43% for VOO, so SFYF leads on 1-year performance. Over the longest common window we track (7 years), SFYF annualized +17.77% vs +15.52% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SFYF or VOO?
SFYF has been the more volatile fund at 29.4% annualized versus 16.4% 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 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 SFYF and VOO?
78.6% of SFYF's money is in holdings VOO also owns. 45.1% of VOO's is in holdings SFYF also owns. They hold 34 positions in common, counted across the 51 positions we hold weights for in SFYF and 504 in VOO.
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.
Is VOO better than SFYF?
VOO has a lower expense ratio. SFYF led over 1Y, 3Y and the full window, VOO over 5Y. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 51.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.