UMI vs VOO
USCF Midstream Energy Income ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. UMI delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | UMI | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $509M | $997.4B | |
| Dividend Yield | 5.83% | 1.08% | |
| Holdings | 25 | 509 | |
| YTD Return | +26.68% | +12.25% | |
| 1Y Return | +30.78% | +20.92% | |
| 3Y Return (annualized) | +26.79% | +21.79% | |
| 5Y Return (annualized) | +24.09% | +13.05% | |
| Volatility (annualized) | 17.5% | 14.1% | |
| Max Drawdown | -20.1% | -34.3% | |
| Fund Family | USCF Investments | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Mar 24, 2021 | Sep 7, 2010 |
UMI vs VOO Performance
USCF Midstream Energy Income ETF (UMI) is a ETF from USCF Investments and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year UMI returned +30.78% while VOO returned +20.92%. Year to date, UMI is up 26.68% versus a gain of 12.25% for VOO.
Over three years, UMI compounded at +26.79% per year against +21.79% for VOO; over five years the annualized figures are +24.09% and +13.05% respectively. Across the full 5-year window we track, UMI has the edge at +24.28% annualized vs +13.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UMI has been the more volatile fund, with annualized monthly volatility of 17.5% 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 -20.1% for UMI 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.08% for VOO.
Holdings Overlap
UMI and VOO share 4 holdings out of 524 unique holdings combined, representing a 0.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $66 per year of difference.
Which performed better, UMI or VOO?
Over the past year UMI returned +30.78% vs +20.92% for VOO, so UMI leads on 1-year performance. Over the longest common window we track (5 years), UMI annualized +24.28% vs +13.45% for VOO. Past performance does not guarantee future results.
Which is riskier, UMI or VOO?
UMI has been the more volatile fund at 17.5% annualized versus 14.1% for VOO. Worst drawdown: UMI -20.1% vs VOO -34.3%.
Should I hold both UMI and VOO?
UMI and VOO have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between UMI and VOO?
UMI and VOO share 4 common holdings with a 0.4% weight overlap. Combined, they hold 524 unique securities.
Which pays a higher dividend, UMI or VOO?
UMI yields 5.83% while VOO yields 1.08%, so UMI currently pays the higher dividend yield.
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