TEC vs VOO
Harbor Transformative Technologies ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. TEC delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | TEC | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $7M | $997.4B | |
| Dividend Yield | 0.00% | 1.08% | |
| Holdings | 45 | 509 | |
| YTD Return | +19.56% | +13.49% | |
| 1Y Return | +30.05% | +20.64% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.95% | |
| Volatility (annualized) | 22.7% | 14.1% | |
| Max Drawdown | -17.5% | -34.3% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 16, 2025 | Sep 7, 2010 |
TEC vs VOO Performance
Harbor Transformative Technologies ETF (TEC) is a ETF from Harbor Funds and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year TEC returned +30.05% while VOO returned +20.64%. Year to date, TEC is up 19.56% versus a gain of 13.49% for VOO.
Risk: Volatility and Drawdowns
TEC has been the more volatile fund, with annualized monthly volatility of 22.7% compared with 14.1% 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 -17.5% for TEC 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 0.92. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
TEC charges 0.69% per year while VOO charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, TEC currently yields 0.00% against 1.08% for VOO.
Holdings Overlap
TEC and VOO share 29 holdings out of 520 unique holdings combined, representing a 39.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TEC or VOO?
TEC has an expense ratio of 0.69% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, TEC or VOO?
Over the past year TEC returned +30.05% vs +20.64% for VOO, so TEC leads on 1-year performance. Over the longest common window we track (1 years), TEC annualized +49.64% vs +13.51% for VOO. Past performance does not guarantee future results.
Which is riskier, TEC or VOO?
TEC has been the more volatile fund at 22.7% annualized versus 14.1% for VOO. Worst drawdown: TEC -17.5% vs VOO -34.3%.
Should I hold both TEC and VOO?
TEC and VOO have a monthly-return correlation of 0.92, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between TEC and VOO?
TEC and VOO share 29 common holdings with a 39.4% weight overlap. Combined, they hold 520 unique securities.
Which pays a higher dividend, TEC or VOO?
TEC yields 0.00% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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