TFNS vs VOO
T. Rowe Price Financials 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 | TFNS | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.44% | 0.03% | |
| AUM | $20M | $997.4B | |
| Dividend Yield | 0.46% | 1.08% | |
| Holdings | 347 | 509 | |
| YTD Return | +7.17% | +12.68% | |
| 1Y Return | +14.19% | +21.87% | |
| 3Y Return (annualized) | - | +22.06% | |
| 5Y Return (annualized) | - | +12.95% | |
| Volatility (annualized) | 11.9% | 14.1% | |
| Max Drawdown | -14.0% | -34.3% | |
| Fund Family | T.Rowe Price | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 11, 2025 | Sep 7, 2010 |
TFNS vs VOO Performance
T. Rowe Price Financials ETF (TFNS) is a ETF from T.Rowe Price and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year TFNS returned +14.19% while VOO returned +21.87%. Year to date, TFNS is up 7.17% versus a gain of 12.68% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% compared with 11.9% for TFNS. 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 -14.0% for TFNS 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TFNS charges 0.44% per year while VOO charges 0.03%. On a $10,000 position that is $44 vs $3 annually, a gap of $41 per year that compounds over a long holding period. On income, TFNS currently yields 0.46% against 1.08% for VOO.
Holdings Overlap
TFNS and VOO share 49 holdings out of 539 unique holdings combined, representing a 9.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, TFNS or VOO?
TFNS has an expense ratio of 0.44% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $41 per year of difference.
Which performed better, TFNS or VOO?
Over the past year TFNS returned +14.19% vs +21.87% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (1 years), TFNS annualized +15.47% vs +13.47% for VOO. Past performance does not guarantee future results.
Which is riskier, TFNS or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 11.9% for TFNS. Worst drawdown: TFNS -14.0% vs VOO -34.3%.
Should I hold both TFNS and VOO?
TFNS and VOO have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between TFNS and VOO?
TFNS and VOO share 49 common holdings with a 9.9% weight overlap. Combined, they hold 539 unique securities.
Which pays a higher dividend, TFNS or VOO?
TFNS yields 0.46% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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