USRD vs VOO

USRD vs VOO

Which is better, USRD or VOO?

VOO has been ahead.

VOO has a lower expense ratio. VOO led over 1Y and the full window. USRD is less concentrated, with 27.2% of the fund in its ten largest positions against 37.6%.

Lower Fees: VOOHigher Returns: VOOLess Concentrated: USRD

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

MetricUSRDVOO
Expense Ratio0.29%0.03%Best
AUM$1M$997.4B
Dividend Yield0.38%1.04%
Holdings103509
Volatility (annualized)16.7%12.2%Best
Max Drawdown-22.7%-18.7%Best
$10,000 over 2.6 years$15,364$16,243Best
Top 10 Weight27.2%Best37.6%
Fund FamilyThemes ETFsVanguard (US)
CategoryEquityEquity
StyleLarge Cap BlendLarge Cap Blend
InceptionDec 13, 2023Sep 7, 2010

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).

The two price series end 52 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. USRD has data through Jul 28, 2026 and VOO through Sep 18, 2026.

Volatility and max drawdown, and the $10,000 over 2.6 years row, are measured over the window both funds cover: Dec 13, 2023 to Jul 28, 2026 (2.6 years).

Risk: Volatility and Drawdowns

USRD has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 12.2% 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 -22.7% for USRD 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 0.89. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

USRD charges 0.29% per year while VOO charges 0.03%. On a $10,000 position that is $29 vs $3 annually, a gap of $26 per year that compounds over a long holding period. On income, USRD currently yields 0.38% against 1.04% for VOO.

Holdings Overlap

USRD already in VOO95.5%
VOO already in USRD36.1%

95.5% of USRD's money is in holdings VOO also owns. 36.1% of VOO's money is in holdings USRD also owns.

Most of USRD is already inside VOO. Owning both mostly buys the same companies twice.

48 positions in common, counted across the 51 positions we hold weights for in USRD and 494 in VOO, against full books of 103 and 509.

What only one of them owns

Our book lists 439 positions for VOO that do not appear in our book for USRD (63.0% of the fund), and 3 for USRD that do not appear in VOO (4.5%).

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

StockWeight in USRDWeight in VOODifference
AAPLApple, Inc2.33%7.05%4.72%
MSFTMicrosoft Corp1.79%5.36%3.57%
AMZNAmazon.Com Inc1.64%4.13%2.49%
GOOGLAlphabet Inc,class A1.59%3.24%1.65%
AVGOBroadcom Inc1.72%2.86%1.14%
AMDAdvanced Micro Devices Inc2.63%1.21%1.42%
LLYEli Lilly & Co.2.37%1.41%0.96%
PANWPalo Alto Networks, Inc3.31%0.42%2.89%
METAMeta Platforms Inc1.82%1.90%0.08%
DDOGDatadog Inc3.56%0.14%3.42%

95.5% of USRD 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.

USRDVOO

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Frequently Asked Questions

Which is cheaper, USRD or VOO?

USRD has an expense ratio of 0.29% while VOO charges 0.03%. VOO is the cheaper option, by $26 a year on a $10,000 investment.

Which is riskier, USRD or VOO?

USRD has been the more volatile fund at 16.7% annualized versus 12.2% for VOO. Worst drawdown: USRD -22.7% vs VOO -18.7%.

Should I hold both USRD and VOO?

USRD and VOO have a monthly-return correlation of 0.89, 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 USRD and VOO?

95.5% of USRD's money is in holdings VOO also owns. 36.1% of VOO's is in holdings USRD also owns. They hold 48 positions in common, counted across the 51 positions we hold weights for in USRD and 494 in VOO.

Which pays a higher dividend, USRD or VOO?

USRD yields 0.38% while VOO yields 1.04%, so VOO currently pays the higher dividend yield.

Is VOO better than USRD?

VOO has a lower expense ratio. VOO led over 1Y and the full window. USRD is less concentrated, with 27.2% of the fund in its ten largest positions against 37.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.