UDI vs VOO
USCF Dividend Income Fund vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. UDI delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | UDI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.03% | |
| AUM | $4M | $997.4B | |
| Dividend Yield | 2.56% | 1.08% | |
| Holdings | 43 | 509 | |
| YTD Return | +17.94% | +12.25% | |
| 1Y Return | +24.88% | +20.92% | |
| 3Y Return (annualized) | +18.57% | +21.79% | |
| 5Y Return (annualized) | - | +13.05% | |
| Volatility (annualized) | 13.3% | 14.1% | |
| Max Drawdown | -14.2% | -34.3% | |
| Fund Family | USCF Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 8, 2022 | Sep 7, 2010 |
UDI vs VOO Performance
USCF Dividend Income Fund (UDI) is a ETF from USCF Investments and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year UDI returned +24.88% while VOO returned +20.92%. Year to date, UDI is up 17.94% versus a gain of 12.25% for VOO.
Over three years, UDI compounded at +18.57% per year against +21.79% for VOO. Across the full 4-year window we track, UDI has the edge at +14.06% annualized vs +13.45%. 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 13.3% 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 -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 0.73. 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 1.08% for VOO.
Holdings Overlap
UDI and VOO share 26 holdings out of 520 unique holdings combined, representing a 1.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $62 per year of difference.
Which performed better, UDI or VOO?
Over the past year UDI returned +24.88% vs +20.92% for VOO, so UDI leads on 1-year performance. Over the longest common window we track (4 years), UDI annualized +14.06% vs +13.45% for VOO. Past performance does not guarantee future results.
Which is riskier, UDI or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 13.3% for UDI. Worst drawdown: UDI -14.2% vs VOO -34.3%.
Should I hold both UDI and VOO?
UDI and VOO have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UDI and VOO?
UDI and VOO share 26 common holdings with a 1.8% weight overlap. Combined, they hold 520 unique securities.
Which pays a higher dividend, UDI or VOO?
UDI yields 2.56% while VOO yields 1.08%, so UDI currently pays the higher dividend yield.
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