UDI vs VOO
USCF Dividend Income Fund vs Vanguard S&P 500 ETF
Which is better, UDI or VOO?
Each has led over a different period.
VOO has a lower expense ratio. UDI led over 1Y, VOO over 3Y and the full window. UDI is less concentrated, with 33.2% of the fund in its ten largest positions against 36.4%.
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 | UDI | VOO |
|---|---|---|
| Expense Ratio | 0.65% | 0.03%Best |
| AUM | $4M | $997.4B |
| Dividend Yield | 2.56% | 1.04% |
| Holdings | 43 | 509 |
| YTD Return | +16.44%Best | +11.55% |
| 1Y Return | +22.50%Best | +17.54% |
| 3Y Return (annualized) | +18.37% | +20.71%Best |
| 5Y Return (annualized) | - | +12.80% |
| Volatility (annualized) | 13.2%Best | 14.7% |
| Max Drawdown | -14.2%Best | -18.7% |
| $10,000 over 4.3 years | $17,244 | $19,715Best |
| Top 10 Weight | 33.2%Best | 36.4% |
| Fund Family | USCF Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Jun 8, 2022 | Sep 7, 2010 |
Volatility and max drawdown, and the $10,000 over 4.3 years row, are measured over the window both funds cover: Jun 8, 2022 to Sep 10, 2026 (4.3 years).
UDI 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 4.3 years both funds cover.
UDI vs VOO Performance
USCF Dividend Income Fund (UDI) is an ETF from USCF Investments and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year UDI returned +22.50% while VOO returned +17.54%. Year to date, UDI is up 16.44% versus a gain of 11.55% for VOO.
Over three years, UDI compounded at +18.37% per year against +20.71% for VOO. Across the full 4-year window we track, VOO has the edge at +17.10% annualized vs +13.51%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.7% compared with 13.2% for UDI. 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 -14.2% for UDI and -18.7% 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
UDI charges 0.65% per year while VOO charges 0.03%. On a $10,000 position that is $65 vs $3 annually, a gap of $62 per year that compounds over a long holding period. On income, UDI currently yields 2.56% against 1.04% for VOO.
Holdings Overlap
68.1% of UDI's money is in holdings VOO also owns. 6.7% of VOO's money is in holdings UDI also owns.
The two portfolios partly overlap.
The two holdings books were reported 50 days apart, UDI as of Aug 19, 2026 and VOO as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
27 positions in common, counted across the 42 positions we hold weights for in UDI and 505 in VOO, against full books of 43 and 509.
What only one of them owns
Our book lists 469 positions for VOO that do not appear in our book for UDI (92.8% of the fund), and 10 for UDI that do not appear in VOO (18.5%).
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 UDI | Weight in VOO | Difference |
|---|---|---|---|
| JNJJohnson & Johnson | 3.65% | 0.95% | 2.70% |
| COPConocophillips Co | 3.95% | 0.20% | 3.75% |
| PSXPhillips 66 | 3.92% | 0.11% | 3.81% |
| ABBVAbbvie Inc. | 3.24% | 0.69% | 2.55% |
| MDTMedtronic Plc Ordinary Shares | 3.39% | 0.16% | 3.23% |
| CSCOCisco Systems Inc. - Ordinary Shares | 2.55% | 0.72% | 1.83% |
| VZVerizon Communications, Inc. | 2.86% | 0.27% | 2.59% |
| STTState Street Corp. | 2.95% | 0.07% | 2.88% |
| CCitigroup Inc. | 2.64% | 0.36% | 2.28% |
| MTBM&t Bank Corp. | 2.79% | 0.05% | 2.74% |
68.1% of UDI 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, UDI or VOO?
UDI has an expense ratio of 0.65% while VOO charges 0.03%. VOO is the cheaper option, by $62 a year on a $10,000 investment.
Which performed better, UDI or VOO?
Over the past year UDI returned +22.50% vs +17.54% for VOO, so UDI leads on 1-year performance. Over the longest common window we track (4 years), UDI annualized +13.51% vs +17.10% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UDI or VOO?
VOO has been the more volatile fund at 14.7% annualized versus 13.2% for UDI. Worst drawdown: UDI -14.2% vs VOO -18.7%.
Should I hold both UDI and VOO?
UDI and VOO have a monthly-return correlation of 0.73, 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 UDI and VOO?
68.1% of UDI's money is in holdings VOO also owns. 6.7% of VOO's is in holdings UDI also owns. They hold 27 positions in common, counted across the 42 positions we hold weights for in UDI and 505 in VOO.
Which pays a higher dividend, UDI or VOO?
UDI yields 2.56% while VOO yields 1.04%, so UDI currently pays the higher dividend yield.
Is VOO better than UDI?
VOO has a lower expense ratio. UDI led over 1Y, VOO over 3Y and the full window. UDI is less concentrated, with 33.2% of the fund in its ten largest positions against 36.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.