UMI vs VOO
USCF Midstream Energy Income ETF vs Vanguard S&P 500 ETF
Which is better, UMI or VOO?
All Cap Blend against Large Cap Blend.
VOO has a lower expense ratio. UMI led over 1Y, 3Y, 5Y and the full window. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 62.2%.
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 | UMI | VOO |
|---|---|---|
| Expense Ratio | 0.69% | 0.03%Best |
| AUM | $520M | $997.4B |
| Dividend Yield | 5.83% | 1.04% |
| Holdings | 25 | 509 |
| YTD Return | +26.03%Best | +11.55% |
| 1Y Return | +29.16%Best | +17.54% |
| 3Y Return (annualized) | +26.84%Best | +20.71% |
| 5Y Return (annualized) | +22.91%Best | +12.80% |
| Volatility (annualized) | 17.4% | 15.3%Best |
| Max Drawdown | -20.1%Best | -24.5% |
| $10,000 over 5 years | $28,050Best | $18,262 |
| Top 10 Weight | 62.2% | 36.4%Best |
| Fund Family | USCF Investments | Vanguard (US) |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Blend |
| Inception | Mar 24, 2021 | Sep 7, 2010 |
Volatility and max drawdown are measured over the window both funds cover: Mar 24, 2021 to Sep 10, 2026 (5.5 years).
UMI 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 5.5 years both funds cover.
UMI vs VOO Performance
USCF Midstream Energy Income ETF (UMI) is an ETF from USCF Investments and Vanguard S&P 500 ETF (VOO) is an ETF from Vanguard (US). Over the past year UMI returned +29.16% while VOO returned +17.54%. Year to date, UMI is up 26.03% versus a gain of 11.55% for VOO.
Over three years, UMI compounded at +26.84% per year against +20.71% for VOO; over five years the annualized figures are +22.91% and +12.80% respectively. Across the full 6-year window we track, UMI has the edge at +23.88% annualized vs +14.61%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UMI has been the more volatile fund, with annualized monthly volatility of 17.4% compared with 15.3% 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 -20.1% for UMI and -24.5% 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 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
UMI 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, UMI currently yields 5.83% against 1.04% for VOO.
Holdings Overlap
25.3% of UMI's money is in holdings VOO also owns. 0.4% of VOO's money is in holdings UMI also owns.
UMI and VOO share little of their money.
The two holdings books were reported 50 days apart, UMI 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.
4 positions in common, counted across the 23 positions we hold weights for in UMI and 505 in VOO, against full books of 25 and 509.
What only one of them owns
Our book lists 492 positions for VOO that do not appear in our book for UMI (99.0% of the fund), and 13 for UMI that do not appear in VOO (53.1%).
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.
25.3% of UMI 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, UMI or VOO?
UMI has an expense ratio of 0.69% while VOO charges 0.03%. VOO is the cheaper option, by $66 a year on a $10,000 investment.
Which performed better, UMI or VOO?
Over the past year UMI returned +29.16% vs +17.54% for VOO, so UMI leads on 1-year performance. Over the longest common window we track (6 years), UMI annualized +23.88% vs +14.61% for VOO. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, UMI or VOO?
UMI has been the more volatile fund at 17.4% annualized versus 15.3% for VOO. Worst drawdown: UMI -20.1% vs VOO -24.5%.
Should I hold both UMI and VOO?
UMI and VOO have a monthly-return correlation of 0.50, 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 UMI and VOO?
25.3% of UMI's money is in holdings VOO also owns. 0.4% of VOO's is in holdings UMI also owns. They hold 4 positions in common, counted across the 23 positions we hold weights for in UMI and 505 in VOO.
Which pays a higher dividend, UMI or VOO?
UMI yields 5.83% while VOO yields 1.04%, so UMI currently pays the higher dividend yield.
Is VOO better than UMI?
VOO has a lower expense ratio. UMI led over 1Y, 3Y, 5Y and the full window. VOO is less concentrated, with 36.4% of the fund in its ten largest positions against 62.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.