SIFI vs VOO
Harbor Ares Systematic Multi-Sector Income 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 | SIFI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.03% | |
| AUM | $34M | $997.4B | |
| Dividend Yield | 8.09% | 1.08% | |
| Holdings | 190 | 509 | |
| YTD Return | +1.85% | +12.25% | |
| 1Y Return | +5.03% | +20.92% | |
| 3Y Return (annualized) | +7.63% | +21.79% | |
| 5Y Return (annualized) | +2.43% | +13.05% | |
| Volatility (annualized) | 5.6% | 14.1% | |
| Max Drawdown | -14.7% | -34.3% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 14, 2021 | Sep 7, 2010 |
SIFI vs VOO Performance
Harbor Ares Systematic Multi-Sector Income ETF (SIFI) is a ETF from Harbor Funds and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year SIFI returned +5.03% while VOO returned +20.92%. Year to date, SIFI is up 1.85% versus a gain of 12.25% for VOO.
Over three years, SIFI compounded at +7.63% per year against +21.79% for VOO; over five years the annualized figures are +2.43% and +13.05% respectively. Across the full 5-year window we track, VOO has the edge at +13.45% annualized vs +2.43%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 5.6% for SIFI. 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 -14.7% for SIFI 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SIFI charges 0.50% per year while VOO charges 0.03%. On a $10,000 position that is $50 vs $3 annually, a gap of $47 per year that compounds over a long holding period. On income, SIFI currently yields 8.09% against 1.08% for VOO.
Holdings Overlap
SIFI and VOO share 0 holdings out of 653 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SIFI or VOO?
SIFI has an expense ratio of 0.50% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $47 per year of difference.
Which performed better, SIFI or VOO?
Over the past year SIFI returned +5.03% vs +20.92% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (5 years), SIFI annualized +2.43% vs +13.45% for VOO. Past performance does not guarantee future results.
Which is riskier, SIFI or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 5.6% for SIFI. Worst drawdown: SIFI -14.7% vs VOO -34.3%.
Should I hold both SIFI and VOO?
SIFI and VOO have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SIFI and VOO?
SIFI and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 653 unique securities.
Which pays a higher dividend, SIFI or VOO?
SIFI yields 8.09% while VOO yields 1.08%, so SIFI currently pays the higher dividend yield.
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