STPZ vs VOO
PIMCO 1-5 Year US TIPS Index Exchange-Traded Fund 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 | STPZ | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.03% | |
| AUM | $525M | $997.4B | |
| Dividend Yield | 4.76% | 1.08% | |
| Holdings | 24 | 509 | |
| YTD Return | +1.98% | +12.25% | |
| 1Y Return | +2.82% | +20.92% | |
| 3Y Return (annualized) | +5.20% | +21.79% | |
| 5Y Return (annualized) | +2.81% | +13.05% | |
| Volatility (annualized) | 2.6% | 14.1% | |
| Max Drawdown | -8.9% | -34.3% | |
| Fund Family | PIMCO (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 20, 2009 | Sep 7, 2010 |
STPZ vs VOO Performance
PIMCO 1-5 Year US TIPS Index Exchange-Traded Fund (STPZ) is a ETF from PIMCO (US) and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year STPZ returned +2.82% while VOO returned +20.92%. Year to date, STPZ is up 1.98% versus a gain of 12.25% for VOO.
Over three years, STPZ compounded at +5.20% per year against +21.79% for VOO; over five years the annualized figures are +2.81% and +13.05% respectively. Across the full 16-year window we track, VOO has the edge at +13.45% annualized vs +1.51%. 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 2.6% for STPZ. 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 -8.9% for STPZ 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
STPZ charges 0.20% per year while VOO charges 0.03%. On a $10,000 position that is $20 vs $3 annually, a gap of $17 per year that compounds over a long holding period. On income, STPZ currently yields 4.76% against 1.08% for VOO.
Holdings Overlap
STPZ and VOO share 0 holdings out of 525 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, STPZ or VOO?
STPZ has an expense ratio of 0.20% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, STPZ or VOO?
Over the past year STPZ returned +2.82% vs +20.92% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (16 years), STPZ annualized +1.51% vs +13.45% for VOO. Past performance does not guarantee future results.
Which is riskier, STPZ or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 2.6% for STPZ. Worst drawdown: STPZ -8.9% vs VOO -34.3%.
Should I hold both STPZ and VOO?
STPZ and VOO have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between STPZ and VOO?
STPZ and VOO share 0 common holdings with a 0.0% weight overlap. Combined, they hold 525 unique securities.
Which pays a higher dividend, STPZ or VOO?
STPZ yields 4.76% while VOO yields 1.08%, so STPZ currently pays the higher dividend yield.
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